Spark 2% Cash for Business

Earn a $1,000 bonus and unlimited 2% cash back. See if you're pre-approved for Spark Cash—as well as our other business cards. It’s fast, secure and won’t impact your personal credit score.

See if I'm pre-approved Rates & fees

  • 2%
    Unlimited rewards

    Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.

  • $1,000
    Cash bonus

    Earn a $1,000 cash bonus when you spend $10,000 in the first 3 months.

  • $0
    Intro annual fee

    Enjoy a $0 annual fee for the first year, and then $95 after that.

  • Travel rewards

    Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel. 4

  • Business-Grade Capabilities

    Empower your team to make purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, pay your vendors with ease.

  • Purchase rate

    24.49% variable APR.

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Select up to two benefits important to your business.
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We’ll check your eligibility for the cards listed below.

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

Spark 2% Cash Plus
  • Minimum Payment: The minimum payment due is the New Balance as indicated on your statement
  • 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
Spark 2% Cash
  • 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
Spark 1.5% Cash Select
  • 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
Spark Classic
  • 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
Venture X Business
  • Minimum Payment: The minimum payment due is the New Balance as indicated on your statement
  • 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
Spark 2X Miles
  • Purchase &
  • Transfer APR: 
  • 24.49% variable APR
  • Cash Advance APR: 30.49% variable APR
  • Transfer Fee: Balance transfers are not available on Spark Miles
  • 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
Spark 1.5X Miles Select
  • 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 Miles Select
  • Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
  1. 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. 2

    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.

  3. 3

    Your balance is due in full every month which means there is no APR. If you don’t pay off the balance in full, you will be charged a late fee of 2.99% on your outstanding statement balance and your account will be considered past due until we receive your payment in full.

  4. 4

    Rewards and benefits may vary between Capital One Travel and Capital One Business Travel. See website for more details.