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Apply for Capital One Spark Cash
Capital One Spark Cash
Apply now
for Capital One Spark Cash
at Capital One's secure site
Terms & restrictions apply.
See rates & fees.
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At a glance

5%
5% cash back on hotels and rental cars booked through Capital One Travel
2%
2% cash back on every purchase

Earn $750 Cash Back

Earn $750 cash back once you spend $7,500 in the first 3 months from account opening

Introductory Balance Transfer APR

N/A

Introductory Purchases APR

N/A

Ongoing Balance Transfer APR

25.24% (Variable)

Ongoing Cash Advance APR

31.24% (Variable)

Ongoing Penalty APR

33.65% (Variable)

Ongoing Purchases APR

25.24% (Variable)
$0 intro for first year; $95 after that
740-850Excellent
  • For businesses that want to earn 2% cash back on all purchases with the stability that comes with a traditional credit line
  • Earn a one-time $750 cash bonus once you spend $7,500 on purchases within 3 months from account opening

At a glance

Rewards Rates

5%
5% cash back on hotels and rental cars booked through Capital One Travel
2%
2% cash back on every purchase

Earn $750 Cash Back

Earn $750 cash back once you spend $7,500 in the first 3 months from account opening

Introductory Balance Transfer APR

N/A

Introductory Purchases APR

N/A

Ongoing Balance Transfer APR

25.24% (Variable)

Ongoing Cash Advance APR

31.24% (Variable)

Ongoing Penalty APR

33.65% (Variable)

Ongoing Purchases APR

25.24% (Variable)
$0 intro for first year; $95 after that
740-850Excellent

More details

  • For businesses that want to earn 2% cash back on all purchases with the stability that comes with a traditional credit line
  • Earn a one-time $750 cash bonus once you spend $7,500 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
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
  • $0 annual fee for the first year; $95 after that
Apply Now
for Capital One Spark Cash
at Capital One's secure site
Terms & restrictions apply.
See rates & fees.

Our Take

TPG Editor‘s Rating

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
2.5/5

Overview

The Capital One Spark Cash earns a fixed rate 2% cash back on purchases. Business cards are a great way to get a return on purchases and gain perks such as purchase protections and accounting tools. While this card doesn't have bonus categories, the fixed rate makes it an ideal choice for those who want an easy way to earn cash back.
Read the full review

Pros

  • No foreign transaction fees so you can use this card abroad
  • Free employee cards, which also earn unlimited 2% cash back
  • Rewards don't expire and you can redeem cash back for any amount

Cons

  • Other cards have category bonuses up to 5x
  • $95 annual fee, although the first year is waived

Who is this card good for?

This card is great for business owners who are looking for an effortless way to earn cash back. The fixed 2% cash back of Capital One Spark Cash takes the guesswork out of redeeming points for maximum value. Businesses that spend little on office supplies or travel related expenses will benefit here as there aren't bonus categories that cater towards those areas.

Earning Rewards

With the Capital One Spark Cash you'll earn a fixed 2% cash back. You can also get employee cards at no additional cost and you'll earn 2% cash back on their spending as well.