Rated 4/5 stars by our editorial team
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3.9/5.0 from 23 Offer Ratings
Over the Past 60 Days!
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Regular Purchase APR
20.99% (Variable)
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Intro Purchase APR
N/A
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Intro BT APR
N/A
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Typical Credit Needed
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Annual Fee
$0 intro for first year; $95 after that
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Earn a one-time $500 cash bonus once you spend $4,500 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
- Purchase above your credit limit with no hassle and no over-limit fees
- $0 annual fee for the first year; $95 after that
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- $0 Fraud Liability if your card is lost or stolen
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
Card Fees
Foreign Transaction Fee
None
Balance Transfer Fee
N/A
Cash Advance Fee
3% of the amount of the cash advance, but not less than $10
Expert Reviews
From the LendingTree.com Editorial Team
The Capital One Spark Cash for Business 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 for your business on every purchase, everywhere and there's no limit to how much you can earn because Rewards won't expire for the life of the account. Rewards can also be redeemed at any time for any amount with the option for automatic redemption.
There's a earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening and the APR is 20.99% (Variable).
The Bottom Line
Capital One Spark Cash for Business Card is perfect for businesses looking to make high-end purchases they intend to pay off each month, while earning rewards for those purchases.
The Good
Earning 2% cash back for your business on every purchase, everywhere is a great rewards program. On top of that, there's no annual fee for the first year and rewards can be redeemed at any time, for any amount, and Rewards won't expire for the life of the account.
The Not So Good
Users pay an annual fee of $0 intro for first year; $95 after that.
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.
Consumer Reviews 23 Reviews
Offer Rating
3.9 out of 5.0
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Related Card Offers
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Intro Purchase APR
0% Intro APR on Purchases for 12 months, then 13.24% - 19.24% Variable
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Sign Up Bonus
Earn $750 bonus cash back
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Cash Back Rewards
Earn 5% cash back in select business categories
-
Typical Credit Needed
-
Annual Fee
$0
-
Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
- 0% introductory APR for 12 months on purchases
See additional details for Ink Business Cash® Credit Card
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Sign Up Bonus
Earn $750 bonus cash back
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Rewards Rate
Earn unlimited 1.5% cash back on every purchase
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Rates & Fees
No annual fee and 0% intro APR for 12 months on purchases
-
Typical Credit Needed
-
Annual Fee
$0
-
Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
- 0% introductory APR for 12 months on purchases
See additional details for Ink Business Unlimited® Credit Card
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Intro Purchase APR
0% on purchases for 12 months from date of account opening
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Rewards Rate
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
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Regular Purchase APR
13.24% - 19.24% Variable
-
Typical Credit Needed
-
Annual Fee
No annual fee
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Card Brand
American Express
Highlights
- Click "APPLY NOW" to apply online
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
- See Rates & Fees
See additional details for American Express Blue Business Cash™ Card
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