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Capital One Spark Cash
Capital One Spark Cash Review
Capital One Spark Cash Card is perfect for businesses looking to make high-end purchases they intend to pay off each month, while earning rewards for those purchases.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
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Capital One Spark Cash
SIGN-UP BONUS
Earn $750 Cash Back once you spend $7,500 in the first 3 months from account opening
REWARDS RATE
2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel
Rewards Rate
2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel
Sign-up Bonus
Earn $750 Cash Back once you spend $7,500 in the first 3 months from account opening
Rewards Redemption
Redeem cash back for any amount at any time
Annual Fee
$0 intro for first year; $95 after that
Card Brand
Mastercard®
Recommended Credit Score
ExcellentHighlights
- For businesses that want to earn 2% cash back on all purchases with the stability that comes with a traditional credit line
- Earn a one-time $750 cash bonus once you spend $7,500 on purchases within 3 months from account opening
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
- $0 annual fee for the first year; $95 after that
Additional Info
Foreign Transaction Fee
None
Balance Transfer Fee
Balance transfers are not available on Spark Cash
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on Dec 11, 2024
The Capital One Spark Cash Card comes with their award-winning, small business customer service so you can always expect your questions to be answered. Their great rewards program earns you 2% cash back on every purchase; 5% cash back on hotels and rental cars booked through capital one travel and there's no limit to how much you can earn.
There's a earn $750 cash back once you spend $7,500 in the first 3 months from account opening and the APR is 25.74% (Variable).
The Good
- Earning 2% cash back on every purchase; 5% cash back on hotels and rental cars booked through capital one travel is a great rewards program. On top of that, there's an annual fee of $0 intro for first year; $95 after that. Plus, rewards can be redeemed at any time, for any amount, and .
The Not So Good
- Users pay an annual fee of $0 intro for first year; $95 after that.
The Bottom Line
Capital One Spark Cash Card is perfect for businesses looking to make high-end purchases they intend to pay off each month, while earning rewards for those purchases.
Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Capital One.
Related Card Offers
Apply Now
on Chase's secure site
Sign-Up Bonus
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Rewards Rate
Earn unlimited 1.5% cash back on every purchase made for your business
Rates & Fees
$0 annual fee and 0% Intro APR on Purchases for 12 months, then an APR of 17.74% - 23.74% Variable.
See Our Review
Apply Now
on Chase's secure site
Intro Purchase APR
0% Intro APR on Purchases for 12 months, then 17.74% - 25.74% Variable
Sign-Up Bonus
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Cash Back Rewards
Earn 5% cash back in select business categories
See Our Review
Apply Now
on Capital One's secure site
Rewards Rate
Earn 2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel
Sign-Up Bonus
$2000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
APR
See Terms
See Our Review