Spark Business Cashback Checking®

Get Automatic Cash Rewards

Earning rewards for everyday banking just got easier. No more collecting points and figuring out how to redeem them. With Spark Business Cashback Checking®, you get rewarded for your everyday banking activities. Every time you swipe your debit card, make a withdrawal, or pay a bill online you earn cash back!

Account At a Glance

  • Perfect for businesses with low transactions volumes and basic banking needs
  • Earn cash back for everyday banking activities.1
  • Enjoy an anniversary cash back bonus of 0.5% on your average annual balance; you can earn up to $1,000 annually.2

Product Details

Product details Spark Business Cashback checking
Transactions 100 included monthly at no charge; $0.50 per transaction after that
Cash Deposits $5,000 included monthly at no charge; $1 for every $1,000 deposited after that
Wires For domestic wires, $15 per incoming wire and $25 per outgoing wire3
Monthly Service Fee $15
Ways to Waive

Waived if your prior 30- or 90-day account balance averages $2,000 or more


Have an active business product in two or more of these categories: Spark Business Credit Card, Small Business Loan or Line of Credit, or Merchant Services account (including Spark PaySM). Only one of your small business checking accounts is eligible for the service fee waiver per Taxpayer Identification Number4

Learn more about ways to waive the monthly service fee

Overdraft Protection Free Overdraft Protection with a linked small business deposit account

Recommended Products

Loans & Lines of Credit
Get flexible financing solutions for your business expenses.

Merchant Services
Accept credit, debit, gift and loyalty card payments.

Spark Business Credit Cards
Earn rewards that benefit your business.

Spark Business Cashback Checking®

Business Benefits

All Business Checking accounts come with these business banking services:

Find a Branch

Explore Your Options

Meet with a local banking expert to discuss your business goals and needs. Find your closest Capital One Bank Branch.

Unfortunately, we don't have a branch location near you. But the good news is that you can still take advantage of products perfect for Small Business Banking. Check out Spark Business.

Ready to Open an Account?

It’s a cinch. Just visit a branch and talk to a banking professional about your business. To save you time, we’ve created a list of documents to bring to the branch.

Access Made Easy



Meet with a local banking expert to discuss your business goals and needs.

Find a branch



Manage your business accounts at your convenience.

Learn more about Online Banking



Access your accounts on the go via your mobile device.

Learn more about Mobile Banking 

Let's Talk

Web access is needed to use Mobile Banking. Check with your service provider for specific fees and charges. Mobile deposit is available only in the U.S. and U.S. Territories.

Free Online Bill Pay is not intended for use by commercial and institutional clients with annual sales exceeding $10 million. If you schedule a bill payment through Capital One Online Bill Pay at least 4 business days before the due date and meet the other requirements of the Online Bill Payment Authorization and Agreement and incur a late fee or penalty fee because the payment does not arrive on time, Capital One will reimburse you (up to $50) for any late fee or penalty you incur and will work with you and the payee to resolve any issues associated with a delayed payment.


Cashback Rewards: You will earn a cash back reward of $0.10 for select transactions you make from this account. Accounts must be in good standing (not in default, closed, suspended or otherwise not in good standing) to receive the Cashback rewards. We will apply the cash back to your rewards balance on a monthly basis within 60 days after the end of each month. Cashback rewards do not expire. Contact us at the Rewards Center at 1-800-228-3001 for more details and to obtain information on the limits to redeem your rewards. Capital One has the right to change or cancel this rewards program at any time. Rewards do not accumulate for fees of any kind, such as NSF fees.

You can ask for earned cash back anytime by visiting or by calling the Rewards Center at 1-800-228-3001. You can also redeem your cash back for a gift card. Fees may reduce earnings on the account.

For complete Cashback Rewards Terms and Conditions, please visit, call 1-888-755-2172 or go to your local branch.


Anniversary Bonus: You will receive an anniversary bonus equal to 0.5% of your checking account average balance over the past 12 months, up to $1,000 cash back each year. We will apply the bonus to your rewards balance within 60 days of the account anniversary. Capital One has the right to change or cancel this rewards program at any time.


For domestic wires, $15 will be charged per incoming wire and $25 per outgoing wire. For foreign wires, $15 will be charged per incoming wire, $40 per outgoing wire in a foreign currency, and $50 per outgoing wire in U.S. dollars.


Your monthly service fee can also be waived if you maintain active, open products in good standing in two or more of the following categories: a) Small Business Loan or Line of Credit; b) Spark ProDeposit (only available with Unlimited Checking); c) Merchant Services account (including Spark Pay); d) Spark Business Credit Card. A Spark Pay account is deemed active with $500 or more transactions during the calendar month not including any voided, refunded or cash transaction(s). A credit card is deemed active with a balance transfer, cash advance, or purchase transaction during the calendar month. Limit one product-based service charge waiver per customer Taxpayer Identification Number.

Products and services are offered by Capital One, N.A., Member FDIC.

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