Best for Flat-Rate Rewards
Cash Advance APR24.49%
Rewards Rate2% cash back on all purchases
Annual Fee$0 for the first year, then $95
Bonus OffersEarn a $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.
- 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 from account opening.
- Use Spark Cash across all your business spend, with no categories to limit your purchasing.
- $0 intro annual fee for the first year; $95 after that.
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount.
- Get employee cards at no additional cost, and earn rewards from their business spend as well.
Our Detailed Review
- Charges an annual fee after the first year
- Not a great fit for small spenders
- Doesn't offer a lot of extra frills or perks
Application Process: Online—a simple one page application.
Annual Fee: $95, which is waived the first year.
APR: 18.49% variable.
Rewards: Earn 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.