Capital One Spark Cash for Business

Dan's Rating: 3.0 / 5   Add Your Review 

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Card Features

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The Early Spend Bonus

  •  Earn $500 Cash Back when you spend $4,500 within the first 3 months

Get These Perks

Pros & Cons

  Annual fee waived 1st year
  Free employee cards
  Simple rewards structure
  Generous sign-up bonus

  $95 annual fee

What You'll PayMore fee details 

Annual Fee
$0 the first year, $95 after that
Foreign Transaction Fees

Credit Score Range

350 - 629
630 - 689
690 - 719
720 - 850 Review

Written by Amy 3 weeks ago

This flexible business card offers a generous $500 cash bonus and earns your business unlimited 2% cash back on all spending, making it simple to use and very rewarding.

Review of the Capital One Spark Cash for Business

The Capital One Spark Cash for Business earns your business unlimited 2% cash back on all purchases.  Plus you’ll earn a one-time $500 bonus once you spend $4,500 within the first 3 months. By waiving the annual fee and offering a sign-up bonus this card could pay for itself for the first six years ($0+$95+$95+ $95+$95+$95=$475 in annual fees paid in the first six years), which is still $25 less than the $500 sign-up bonus.

After six years the card still makes sense if your business spends at least $19,000 a year.  Why $19,000?  If you spend $19,000 your rewards would be 19k x 2% = $380.  This is exactly $95 more than the no-fee version of the card earns (19k x 1.5%=285).  So, in the long term, even after you’ve used up the sign-up bonus, this $95 difference justifies the $95 annual fee and any spending over $19,000 would yield even more cash back for your business.

Pro Tip:

If your business spends under ,000 a year, consider the Capital One® Spark® Cash Select for Business, which doesn’t have an annual fee.

The Bottom Line
This all purpose cash back business card is an excellent choice for a small business that spends at least $19,000 a year on expenses that don't fit into any neat bonus categories.

Read a complete review of Capital One Spark Cash for Business here.

Reviews by the staff are the result of independent research by our editorial team, while user reviews and questions are contributions from website users who are not affiliated with in any way. Banks, issuers, and credit card companies are not responsible for any user content posted on the site, nor do they endorse or guarantee any posted comments, questions, or reviews. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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