Rated 4/5 stars by our editorial team
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3.9/5.0 from 13 Offer Ratings
Over the Past 60 Days!
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Regular Purchase APR
19.24% (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 unlimited 2% cash back for your business on every purchase, everywhere
- Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
- $0 annual fee for the first year; $95 after that
- $0 Fraud Liability if your card is lost or stolen
- 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
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 the ability to earn a $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening and the APR is 19.24% (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 13 Reviews
Offer Rating
3.9 out of 5.0
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Related Card Offers
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Intro Purchase APR
0% for 12 Months
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Sign Up Bonus
$500 bonus cash back
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Cash Back Rewards
Earn 5% cash back in select business categories
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Typical Credit Needed
-
Annual Fee
$0
-
Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Earn $500 bonus cash back after you spend $3,000 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 card purchases with no limit to the amount you can earn
- 0% introductory APR for 12 months on purchases
- Employee cards at no additional cost
- No Annual Fee
See additional details for Ink Business Cash℠ Credit Card
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Intro and Regular APR
0% for 12 Months, then 15.49% - 21.49% Variable
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Rewards Rate
Earn 2X points on everyday business purchases up to the annual cap
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Flexible Spending
Enjoy the flexibility to put more purchases on the Card
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
American Express
Highlights
- Click "APPLY NOW" to apply online
- Get rewarded for business as usual. Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
- 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
- *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 and balance transfers for 12 months, then a variable rate, 15.49%, 18.49% or 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
- See Rates & Fees
See additional details for The Blue Business℠ Plus Credit Card from American Express
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Sign Up Bonus
Earn $500 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 and balance transfers
-
Typical Credit Needed
-
Annual Fee
$0
-
Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- 0% introductory APR for 12 months on purchases
- Employee cards at no additional cost
- No Annual Fee
See additional details for Ink Business Unlimited℠ Credit Card
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