Capital One Spark Cash for Business – Review

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Capital One Spark Cash for Business – Review

U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

"Earn unlimited 2% cash-back on every purchase"

Learn More (at Capital One's secure site)

The information regarding the Capital One® Spark® Cash for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

The Capital One® Spark® Cash for Business is great for a business owner looking to earn 2% cash-back on all purchases without a high annual fee.

Card Snapshot

  • Welcome Bonus & Info (Partner Content)
    • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months from account opening.
    • Get unlimited 2% cash back and you could be putting thousands of dollars back into your business. Redeem at any time with no minimums.
    • Add employee cards for free and earn all the rewards from their purchases.
    • Enjoy the freedom to purchase above your credit limit and earn unlimited rewards with no hassle and no over-limit fees.
    • Get cash back rewards for any amount at any time with no expiration date for the life of the account.
  • Card Type:
    Credit Card
  • Card Categories:

Card Fees

  • Annual Fee
    • $0 intro for the first year, $95 after that
  • Interest Rates
    • 20.99% Variable
  • Late fees
    • Up to $39
    • Penalty APR: 29.4% Variable
  • Cash Advance APR
    • 26.99% Variable
    • Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater.
Alex Miller

About Alex Miller

Alex has been traveling for over 25 years and from a young age was lucky enough to set out on numerous family trips all over the world, which gave him the travel bug. Alex has since earned millions of travel points and miles, mainly through maximizing credit card sign-up bonuses and taking every opportunity to earn the most points possible on each dollar spent.

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