Rated 4/5.0 stars by our editorial team
Click the stars to submit your rating.
Rating already submitted!
Thanks for rating!
4/5.0 from 0 Offer Ratings
Over the Past 60 Days!
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 $1,500 Cash Back once you spend $15,000 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's travel booking site
Rewards Rate
2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One's travel booking site
Sign-up Bonus
Earn $1,500 Cash Back once you spend $15,000 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
- Limited-time offer: Double your cash bonus from $750 to $1,500 once you spend $15,000 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
- 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
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 Jun 10, 2025
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's travel booking site and there's no limit to how much you can earn.
There's a earn $1,500 cash back once you spend $15,000 in the first 3 months from account opening and the APR is 25.24% (Variable).
The Good
- Earning 2% cash back on every purchase; 5% cash back on hotels and rental cars booked through capital one's travel booking site 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 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 17.49% - 23.49% Variable.
See Our Review
Apply Now
on Chase's secure site
Intro Purchase APR
0% Intro APR on Purchases for 12 months, then 17.49% - 25.49% 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 American Express's secure site
Welcome Offer
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Rewards Rate
Get 4X Membership Rewards® points on the 2 eligible categories where your business spent the most each month on the first $150,000 in combined purchases each calendar year (then 1X thereafter). Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card. Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, 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