Last updated: 8/18/2021

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

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${{welcomeBonusAmount | number}}Welcome Bonus

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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

Rewards

Show Rewards For:

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Reward Rate = 2x

Value = 1 cent per point
Effective Value = 2 %

Welcome Bonus = 50,000

Value = 1 cent per point
Effective Value = $500

$1700

Annual Fee = $95

$695

Welcome Bonus

$500 Cash Back

After you spend $4,500 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article

Spending Rewards

2% All Spending

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.

Try the Analyzer now

0.4¢ PER POINT

2¢+ PER POINT

Annual Fee

$0 first year
$95 thereafter

Are Annual Fees Worth It?

The GigaPoints Guide to Credit Card Annual Fees Article

Recommended Credit Score

Average
Good
Excellent

These ranges indicate where your credit score should be before applying for a card. But we can’t guarantee that you’ll be approved for any particular card—that’s up to the issuer.

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.

Use the Best Card For tool

The Fine Print

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