Please note: This card has been discontinued and is not currently accepting new applications.

Last updated: 8/18/2021

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Capital One Spark Cash for Business

Earns: Cash Back

GigaTake:

2% cash back is a good return for a small business card. Just be aware of the $95 annual fee after the first year.

This card is best for:

  • All Spending

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Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} Cash Back
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

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${{annualFeeAmount | number}}Annual Fee

${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

Pros

  • 2% cash back is as good as it gets for cash back.

Cons

  • $95 annual fee after the first year.

See how the Capital One Spark Cash for Business compares to other credit cards

Capital One Spark Cash for Business Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 2x

Value = 1 cent per point
Effective Value = 2 %

0%
3%

Welcome Bonus = 50,000

Value = 1 cent per point
Effective Value = $500

$0
$1800

Annual Fee = $95

$0
$995
Welcome Bonus
$500

OK

Bonus Rating

Cash Back

After you spend $4,500 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
2% All Spending

Excellent

excellent

Excellent

In the top 15% of cards.

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
Cash Back
Gigapoints Value
1¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Annual Fee
  • $0 first year
  • $95 thereafter
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

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The Fine Print

PURCHASES APR 20.99%
CASH ADVANCE APR 24.49% (Variable)
FOREIGN TRANSACTION FEE 0%