Capital One® Spark® Cash for Business Reviews

Approval Odds

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4.3 out of 5 stars
3 Reviews

From Cardholders in the last year

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Application Process

4 out of 5 stars

Customer Service

5 out of 5 stars

4.5 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR 17.99%* Variable
  • Annual Fee $0 intro, $95 after first year
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 17.99%* Variable

These reviews were written by current and former cardholders in the last year.

Jul 10, 2017
Stingy credit limits
yellayella82 Cardholder

I have had this business card for over a year and was only given a $1,000.00 CL to start.  Since, I have only received a $100.00 CLI which was 3 months after getting the card (I have a total of $1100).  My business uses this card responsibly and I cannot get a CLI for the life of me.  The account was eligable for a "manual review" and they still did not approve a CLI.  My personal credit is inbetween fair and good.  I even have a personal card with Capital One with a higher limit than this.  So far I am not happy with this card.  

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Jul 25, 2017

I agree. Capital One is very strict. I have many personal accounts with them, including a business checking account, but they still won't approve me, despite having a good credit score (674). I stop doing business with Capital One from now on. All my money is moving else where.

Apr 25, 2017
I love the cash back rewards.
MER3 Cardholder

Great for cash back earnings. You can use cash back to apply towards payment. Helps to continue Rebuilding credit. My current favorite card.

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Dec 22, 2016
great business card
not2shabbe Cardholder

2 percent on every purchase and other great  perks ,fidelity visa, barclay arrival+ and capital one world elite venture all give 2 to 1 on all purchases

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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

Capital One® Spark® Cash for Business