| Introductory APR | No  |
| Introductory Bonus | Yes  |
| Cash Back Rewards | Yes |
| Annual Member Fee | Yes |
| Credit Required | Excellent  |
Capital One® Spark® Cash for Business Credit Card is a credit card that allows small business owners to earn cash back for every purchase. It also offers a sign-up bonus, as well as a waived annual fee for the first year. We compiled Capital One® Spark® Cash for Business user reviews from around the web and determined that it has generally have positive ratings. We also discussed the rates and fees it offers.
Card Details | Rewards Details | Offer Details
Summary of User Reviews
Capital One® Spark® Cash for Business Credit Card Pros
People who left a positive review of Capital One® Spark® Cash for Business said that they are happy with the unlimited 2% cash back on every purchase that the card offers. They also like that there is a sign-up bonus, no foreign transaction fee, and a waived annual fee for the first year. Users love that the rewards points do not expire for the life of the account.
Capital One® Spark® Cash for Business Credit Card Cons
People who left a negative review of Capital One® Spark® Cash for Business said that it’s disappointing that there are no travel perks that came with the card.
Most Helpful Positive User Review:
A positive review from CreditCards.com said that the Capital One® Spark® Cash for Business Credit Card is an excellent choice for businesses who want a simple cash back rewards program for their purchases.
Most Helpful Negative User Review:
A negative review from NerdWallet said that the Capital One® Spark® Cash for Business Credit Card is not ideal for small businesses who frequently travel for work since there are no miles rewards offered with the card.
Card Details: Capital One® Spark® Cash for Business Credit Card
| Credit Required | Excellent |
| Introductory APR on Purchases | N/A |
| APR on Purchases After Introductory Period | 19.24% Variable |
| Introductory Balance Transfer APR | N/A |
| Introductory Balance Transfer Fee | N/A |
| Balance Transfer APR | 19.24% Variable |
| Balance Transfer Fee | Info not available |
| Cash Advance APR | 25.24% Variable |
| Cash Advance Fee | Either $10 or 3% of each cash advance, whichever is greater |
| Late Payment Fee | Up to $39 |
| Return Payment Fee | Info not available |
| Foreign Transaction Fee | None |
| Annual Member Fee | $0 intro for first year, $95 thereafter |
Apply Now
on Capital One’s secure website.
Rewards Details: Capital One® Spark® Cash for Business Credit Card
| Earn 2% cash back | On every purchase |
| Receive $500 cash bonus | Once you spend $4,500 on purchases within the first 3 months of account opening |
Offer Details: Capital One® Spark® Cash for Business Credit Card
Earn unlimited 2% cash back for your business on every purchase. No minimum points required in order to redeem. Points do not expire for the life of the account.
Earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months from account opening.
Get $0 fraud liability if your card is lost or stolen.
Apply Now
on Capital One’s secure website.
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Disclaimer: Reviews on FitSmallBusiness.com are the product of independent research by our writers, researchers, and editorial team. User reviews and comments are contributions from independent users not affiliated with FitSmallBusiness.com's editorial team. Banks, issuers, credit card companies, and other product & service providers are not responsible for any content posted on FitSmallBusiness.com. As such, they do not endorse or guarantee any posted comments or reviews.
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