Capital One Spark Cash for Business Review | CompareCredit

Capital One Spark Cash for Business Review

By Thomas Donaldson, February 19, 2021

Take the hassle out of cash back for your business and get the Capital One Spark Cash for Business to start earning a generous flat-rate cash back of 2% Cash Back for your business on every purchase, everywhere.

best of the best

Capital One Spark Cash for Business

(14 reviews)

Current Offer
$500 Cash Back once you spend $4,500 on purchases within 3 months from account opening
Apply Now

on Capital One's secure site

  • 2% Cash Back for your business on every purchase, everywhere
  • $500 Cash Back once you spend $4,500 on purchases within 3 months from account opening
  • Free employee cards and no foreign transaction fees
  • $0 intro for first year; $95 after that
  • Excellent, Good
Product Details
  • 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

Our Expert Review

Why We Like It


Offer Rating

5/ 5

By Our Editorial Team

Key Benefit

Business owners can rake in cash rewards with unlimited 2% Cash Back for your business on every purchase, everywhere.

Compare Credit logomarkEditor

Business owners have a lot to think about. But with the Capital One Spark Cash for Business, you can rest assured that you're earning a stellar cash back rate on all your purchases. With this powerful card, you earn unlimited 2% Cash Back for your business on every purchase, everywhere, with no limits or category restrictions. That means from client dinners to office supplies and everything in between, the Capital One Spark Cash for Business rewards you with a generous cash back rate.

This card even comes with an exciting sign up bonus offer: $500 Cash Back once you spend $4,500 on purchases within 3 months from account opening. This is a stellar sign up bonus and most business will have no problem hitting the spend threshold.

There is a $0 intro for first year; $95 after that. But that's a small price to pay for all the cash back you can receive especially considering the outsized sign up bonus. You can even compound your cash with free employee cards which also earn unlimited 2% cash back on all purchases.

Pros & Cons

Pros

  • Earn a generous sign up bonus worth $500
  • Simplify your rewards with a generous flat-rate of 2% cash back on all business purchases
  • Extra business perks like integration with Quickbooks and free employee cards

Cons

  • The spending threshold for the sign up bonus is rather high
  • No intro APR on purchases or balance transfers

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