Rates and Fees:
Rate or Fee Type
APR for Cash Advances
Pros: Free international transactions. Very secure.
Cons: Difficult for first-time applicants to qualify.
Bottomline: If you have an excellent credit score, Capital One Spark Cash for Business could save your business a lot of money.
Richard Fairbank, Nigel Morris
Number of Employees
Number of Customers
1680 Capital One Drive, McLean, VA 22102
1 (877) 383-4802
Features and Benefits:
2% cash back.
With the Capital One 2 cash back credit card, you earn 2% on all of your purchases. Your rewards are unlimited and you can redeem them at any time. That means more money in your pocket the more you use your Capital One 2 cash back card.
Low annual fee.
Capital One Spark Cash for business is affordable, with an annual fee of only $95.00. Even better, the first year is free!
Cash bonus for new members.
If you're ready to start using your new Spark card, Capital one will give you a $500.00 cash rewards bonus if you spend at least $4,500.00 in the first three months that your account is open.
Free employee cards.
Business accounts are usually used by more than one person. With Capital One's 2 percent cash back business credit card, you can order free employee credit cards. Employee credit cards can also be used to earn rewards.
Pros and Cons:
Generous cash back rewards.
High APR (18.74%).
No fees for international transactions.
No travel rewards like other business credit cards.
Purchase records can be downloaded for Quickbooks.
Requires an excellent credit score in order to qualify.
Fraud coverage and alerts via text, email or phone.
The application process is more rigorous than most.
Does Capital One have a business credit card?
Yes. Capital One has three Spark business credit cards, namely, Spark Cash, Spark Cash Select, and Spark Classic.
Does Capital One have a 2% cash back card?
Yes, the Spark Cash Credit Card from Capital One offers unlimited 2% cash back that can be redeemed at any time.
Is the Capital One Spark a card good?
Does Capital One report to Dun & Bradstreet?
Yes. Capital One's business credit cards report to three business credit bureaus, namely, Dun & Bradstreet, Experian Business, and Small Business Financial Exchange.
Does Capital One have business checking?
Yes, Capital One offers two business checking accounts. However, as of November 2019, selected Capital One products are undergoing changes, and applications for these are not being accepted for the time being. Keep an eye on Capital One's website for updates.
Does Capital One Business report to personal credit?
Capital One reports business credit card activity to consumer bureaus.
Does Capital One Spark have foreign transaction fees?
No, Capital One Spark does not charge any transaction fees when you use your card internationally. This makes it a convenient payment option on business trips.
How do I redeem my Capital One Spark rewards?
If you have started to earn cashback from your Capital One credit card purchases, you can redeem your rewards at any time by [logging into your Capital One account](https://www.capitalone.com and visiting the "Rewards" page.
Does the Capital One Spark credit card have annual fees?
The fees are waived for the first year. After that, the card has an annual fee of $95.00.
Any products that are similar to Capital One Spark Cash?
- American Express Business Platinum Card.
- Bank of America Travel Rewards Business Mastercard.
- American Express Business Gold Rewards Card.
- Platinum Delta SkyMiles Business Credit Card from American Express.
- Southwest Rapid Rewards Premier Business Credit Card.
- Starwood Preferred Guest Business Credit Card from American Express.
Reviewed: Oct 15, 2017
It's a sweet card and they are generous with the SL. I got 50k and my wife got 30k, even tho they wouldn't give me a cli on my 750 limit capital one card. The cash back is available as soon as charges clear, so awesome.
Reviewed: Apr 23, 2018
it's very good. The only negatives are (1) Capital One often triple pulls for your application (but that's behind you now) and (2) it reports to personal credit (but you already knew that).
Reviewed: Oct 14, 2017
I had been searching for a business credit card which offers great cash back as I don't really need travel points or rewards. Long story short, I applied for the Capital One Spark Cash and got approved with a $30k SL. Does anyone have experience with this card? Only downfall I noticed was it reports on your personal credit.