Spark Cash for Business

Earn unlimited 2% cash back on every purchase for your business

Earn unlimited 2% cash back on every purchase for your business

Average Customer Rating Read all 580 reviews

This card is for business owners with EXCELLENT CREDIT.

View important rates and disclosures

Unlimited Rewards

Unlimited 2% cash back from Spark Cash could mean thousands of dollars each year going back into your business. No minimum to redeem.

$500 Cash Bonus

Earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months1

Free Employee Cards

Add employee cards at no additional cost, and earn all the rewards from their purchases

Annual Fee


Purchase Rate


Fraud Coverage and Alerts

$0 Fraud Liability if your card is lost or stolen, and get real-time alerts of fraud attempts via text, email, or phone

See how much you could earn

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Card features and benefits

Spark BusinessSM credit cards come with these features

Quarterly and year-end summary

Get a custom, itemized report of your spending to help simplify planning, budgeting, and tax time.

No foreign transaction fees

You won't pay a transaction fee when making purchases outside of the United States.

Rewards your way

Rewards don't expire, and you can redeem your cash back for any amount, anytime.

Spark® Cash also comes with Visa® Business Benefits3

Auto rental collision damage waiver

You're covered for damage due to collision or theft when you rent an eligible car with your Spark Business card—so you can travel with peace of mind.

Purchase security and extended protection

Enjoy coverage for eligible items you buy with your Spark Business card if they are lost or stolen within 90 days of your purchase. Plus, it doubles the length of the manufacturer's warranty.

Travel and emergency assistance services

When you're traveling for business, you can count on a wide range of Visa emergency services including ticket replacement, legal or medical referrals, and more—24 hours a day, 365 days a year.

Certain terms, conditions and exclusions apply. Please see the Visa Guide to Benefits for specific details.

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Ratings and Reviews

Average customer ratings

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Rate and fee information

for the Spark Cash Rewards Credit Card

Need more information about business credit cards? Go to business cards FAQ.

Want to know more about rewards? Go to rewards cards FAQ.

Have questions about Capital One cards? Go to general credit card FAQ.


Existing or previous Spark cardholders may not be eligible for this one-time bonus.


The actual amount of cash back you earn will depend on your credit limit and purchase activity.


Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered Visa card to secure transactions. Please refer to your Guide to Benefits for further details.