Capital One® Spark® Cash for Business

Note: Capital One is a Frequent Miler advertiser. Please see our Advertiser Disclosure.

Capital One Spark Cash Business Credit Card
$500 Cash back
Earn a one-time bonus: $500 after $4.5K spend in 3 months
Click Here to Apply

No Annual Fee First Year, Then $95

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: Up to $2,000 Cash Back: Earn a one time bonus: $500 after $5K spend in 3 months from account opening and earn an additional $1,500 when you spend $50K in the first 6 months of account opening [Expired 1/27/20]

FM Mini Review: Many cards offer unlimited 2% cash back, but this is the only business card I know of that does so. This is a good option for business owners who prefer simple cash back rewards.


Card Type: Visa Signature

Base
2%

Earning rate: 2% everywhere

Noteworthy perks: No foreign transaction fees

Overview

It's rare to find a business rewards card with great rewards for all spend. This one offers 2% cash back everywhere and a great welcome offer.

Additional benefits of this card include no foreign transaction fees, travel and emergency assistance services, purchase protections, and more.

Overall, this is an excellent choice both for its intro bonus and rewards for spend.

Application Tips

Capital One Application Tips


  • 6 month rule: Must wait 6 months after applying for a Capital One card before applying for another one.

  • 2 card limit: You can have at most 2 Capital One consumer cards

  • Get Same Card Again: There is no known rule against getting the same card and bonus again even if you still have the card open.

  • Hard inquiries usually get issued through all 3 credit bureaus


To check application status, call (800) 903-9177 or (877) 277-5901
If denied, call reconsideration here: (800) 625-7866

Related Cards (CapOne cash back cards)

Capital One Spark Cash Business Credit Card
$500 Cash back
Earn a one-time bonus: $500 after $4.5K spend in 3 months

No Annual Fee First Year, Then $95

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: Up to $2,000 Cash Back: Earn a one time bonus: $500 after $5K spend in 3 months from account opening and earn an additional $1,500 when you spend $50K in the first 6 months of account opening [Expired 1/27/20]

Last updated on May 30th, 2018

Regarding comments: Comments posted at the bottom of Frequent Miler pages and posts are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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[…] More details about the Spark Cash Card can be found here. […]

Martin Prier
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Martin Prier

I “had” a capitol one spark card for business with 2% cash back for 4 years. As best I can tell the (one) day before they were to credit my account with the $1500 promotional bonus they killed my account (and my quick silver card as well), informing me that my account was not in good standing and would not be getting the promotion. I had done nothing to warrant the closure (no late payments, no drop in credit score, etc.). However, I did buy GCs to make the spend number of $50k along with lots of other legit spend. They did pay out the first $500 3 months earlier so I feel that it was a wash financially. Beware that they may kill your account on the eve of getting the bonus.