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Cards you’re offered in pre-approval may have different terms, including introductory rates and bonuses, from those available elsewhere on our website.
Rate and fee information
- Minimum Payment: Your card is designed to be paid in full every month to maximize purchasing power and to avoid interest and fees.
- Transfer Fee:
- Balance transfers are not available on Spark Cash Plus
- Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $150 annually
- Purchase APR:
- 24.49% variable APR
- Transfer Fee: Balance transfers are not available on Spark Cash
- Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $0 intro for the first year, $95 after that
- Purchase &
- Transfer APR:
- 16.74% - 22.74% variable APR
- Cash Advance APR: 30.49% variable APR
- Transfer Fee: Balance transfers are not available on Spark Cash Select
- Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
- Purchase &
- Transfer APR:
- 28.99% variable APR
- Cash Advance APR: 28.99% variable APR
- Transfer Fee: Balance transfers are not available on Spark Classic
- Cash Advance Fee:
- Either $5 or 5% of the amount of each cash advance, whichever is greater
- Minimum Payment: Your card is designed to be paid in full every month to maximize purchasing power and to avoid interest and fees.
- Transfer Fee:
- Balance transfers are not available on Venture X Business
- Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $395 annually
- Purchase &
- Transfer APR:
- 24.49% variable APR
- Cash Advance APR: 30.49% variable APR
- Transfer Fee: Balance transfers are not available on Venture Business
- Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $95 annual fee
- Purchase &
- Transfer APR:
- 16.74% - 22.74% variable APR
- Cash Advance APR: 30.49% variable APR
- Transfer Fee: Balance transfers are not available on VentureOne Business
- Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
- 1
This one-time bonus is available by clicking the "See if I'm pre-approved" or "Apply now" button on this page, and may not be available if you navigate away from or close this page. Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months.
- 2
Spark Cash Plus Welcome Bonus: Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months.
Spark Cash Plus Additional Bonuses: Earn a $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times during your first year as cardholder.
Spark Cash Plus Limited-Time Offer: Earn a one-time $500 Capital One Business Travel credit (“Credit”) to use toward purchases made through Capital One Business Travel when you spend $30,000 in the first 3 months of account opening. The Credit will be applied to your Capital One Business Travel balance within two billing cycles and expires 15 months after account opening. The Credit will be available within Capital One Business Travel and can be applied to purchases at checkout. The Credit may be used in whole for a single purchase or in part over multiple purchases. Rewards will not be earned on the Credit. If the purchase using the Credit is canceled, the Credit will be restored if it is not expired. An expired Credit will not be restored upon cancellation of the purchase by the customer. Your Spark Cash Plus account must be open and in good standing to receive and use the Credit. - 3
Spark Cash Welcome Bonus: Earn a $1,000 cash bonus when you spend $10,000 in the first 3 months. This bonus is available by starting the application process from this page, and may not be available if you navigate away from or close this page. The bonus may not be available for existing or previous Capital One Business card holders
Spark Cash Limited-Time Offer: Earn a one-time $250 Capital One Business Travel credit (“Credit”) to use toward purchases made through Capital One Business Travel when you spend $10,000 in the first 3 months of account opening. The Credit will be applied to your Capital One Business Travel balance within two billing cycles and expires 15 months after account opening. The Credit will be available within Capital One Business Travel and can be applied to purchases at checkout. The Credit may be used in whole for a single purchase or in part over multiple purchases. Rewards will not be earned on the Credit. If the purchase using the Credit is canceled, the Credit will be restored if it is not expired. An expired Credit will not be restored upon cancellation of the purchase by the customer. Your Spark Cash account must be open and in good standing to receive and use the Credit. - 4
You will receive a statement credit of $150 each year when you spend at least $150,000 in net purchases by your membership anniversary date. You will see the statement credit within 2 billing cycles following your rewards membership anniversary date. Please note that statement credits lower your balance but do not count as payments. You must continue to make any required payments.
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Pay at least the minimum payment amount by your payment due date, otherwise you’ll be charged a 2.99% late fee.