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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.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Capital One Spark Cash
SIGN-UP BONUS
Earn a $1,000 cash bonus plus for a limited time, earn a $250 Capital One Business Travel credit when you spend $10,000 within 3 months of account opening
REWARDS RATE
2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Business Travel
Rewards Rate
2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Business Travel
Sign-up Bonus
Earn a $1,000 cash bonus plus for a limited time, earn a $250 Capital One Business Travel credit when you spend $10,000 within 3 months of 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
- Click APPLY NOW to apply online.
- Earn a $1,000 cash bonus plus for a limited time, earn a $250 Capital One Business Travel credit when you spend $10,000 within 3 months of account opening
- For businesses that want to earn 2% cash back on all purchases with the familiarity of a traditional credit line
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
- $0 annual fee for the first year; $95 after that
- 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
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Rates & Fees
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 Aug 11, 2026
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 business travel and there's no limit to how much you can earn.
There's a earn a $1,000 cash bonus plus for a limited time, earn a $250 capital one business travel credit when you spend $10,000 within 3 months of account opening and the APR is 24.49% (Variable).
The Good
- Earning 2% cash back on every purchase; 5% cash back on hotels and rental cars booked through capital one business 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.
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 American Express's secure site
Welcome Offer
As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Rewards Rate
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com or the Amex Travel App™. Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required. Terms Apply
Extra Perks
No foreign transaction fees & many helpful business tools*
See Our Review
Apply Now
on Revenued's secure site
Flex Line
Includes flex line, similar to a line of credit and only pay for what you use
Spending Limit
As your revenue increases, spending limits also increase
No Fees
No application, annual or draw fees
See Our Review
Apply Now
on Capital One's secure site
Rewards Rate
2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Business Travel
Sign-Up Bonus
Earn $2,000 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
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.