Capital One® Spark® Cash for Business Review

Last Updated: June 23, 2017
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Capital One® Spark® Cash for Business


Unlimited 2% cash back on every purchase for your business

Bonus Signup Offer

Earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months


Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of approval
Use Spark Cash across all your business spend, with no categories to limit your purchasing
$0 intro annual fee for the first year; $59 after that
Rewards don't expire, and you can redeem your cash back for any amount, anytime
Get employee cards at no additional cost, and earn rewards from their business spend

Expert Walkthrough

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Capital One® Spark® Cash for Business Reviews


Will do your business right if you’re looking for high, unlimited cash-back earnings, a sign-up bonus and user-friendly redemption structure.

The Simple Dollar

One of the least complicated options you might end up with due to its simple process for earning points and redeeming them. And if you hate traditional rewards programs and all the hoops they make you jump through, this card could easily be the right one for you. 2015-11-15

Offering a straightforward 2% cash back return on all purchases, this may be a good choice for those that don't want to deal with the purchase restrictions associated with some business rewards credit cards.

Value Penguin 2016-07-21

If you're going to be spending $12,000 annually and see expenses coming from all classification of categories, we think that this is the best card. It is one of the simplest credit cards available, making it an easy decision. 0201-09-13

Has one of the best and simplest business rewards credit card programs, with a generous sign-up bonus and excellent earning scheme.


Use this card if you can pay it off every month. Otherwise, it may not be worth it.

Money Crashers

An ideal general-spending card for business owners with moderate to high spending needs spread across a wide variety of categories.

Walletpath 2013-06-30

If you have varied business expenses, you will enjoy the Capital One Spark Cash for Business card.

It is, in our opinion, an excellent credit card for business owners who want to earn cash back on their spending.


Best if you can either earn the sign-up bonus worth $500 or spend enough every year to earn the rewards needed to cover your annual fee.