Capital One Spark Cash for Business

Best for Flat-Rate Rewards

Capital One Spark Cash for Business

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Why People Love it

  • No foreign transaction fees
  • Simple, uncomplicated, and flexible reward structure
  • Cash in on the $500 bonus when you spend $4,500 in 3 months


Application Process: Online—a simple one page application.

Annual Fee: $59, which is waived the first year.

APR: A flat 17.99% variable APR, and 23.99% for cash advances. Don't subject yourself to the 30.4% penalty APR!

RewardsEarn 2% cash back on all spending, even on the cards your employees use. Redeem rewards whenever you want - no need to wait for a specific time or spending minimum.

Bonus Offers: Earn a $500 bonus when you spend $4,500 within the first 3 months. It's not the best bonus offer, but it's a nice bonus if you're about to make a big purchase.

  • Variable APR
  • Cash Advance APR
  • Bonus Offers
    A one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.
  • Rewards Rate
  • Annual Fee
    $0 for the first year, then $95
  • Intro APR

A flat-rate rewards card may be boring, but it’s dependable. The Simple Dollar touts this card as being one of the best business credit cards because of how uncomplicated it is to use when earning and redeeming rewards. Get unlimited 2% cash back on all spending with the Capital One Spark Cash for Business. This rate extends to any authorized users/employees who have a connected card. If you (or they) travel a lot for work, you'll be happy to know that you'll save on foreign transaction fees—there are none with this card!

This card is definitely for bigger spenders, not necessarily small business owners/entrepreneurs just getting started. You’ll only break even on the card (considering the annual fee) if you plan to spend more than $2,950 in the first year. 

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