Spark 2% Cash
2% unlimited cash back
$1,000 cash bonus
$0 Intro annual fee
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.1
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.
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.
CARD TERMS
24.74% variable APR.
$95 annual fee after your first year
$0 fraud liability
If your card is lost or stolen, you can get an emergency replacement and a cash advance.
Security alerts
Get notified via text, email and phone if Capital One notices potential suspicious transactions on your account.
Purchase records
Quickly and securely download your purchase records into multiple formats including Quicken®, QuickBooks® and Excel®.
Virtual cards
Make safer payments online without exposing your actual card number with merchants.
Accounts Payable
Manage your accounts payable process by sending and tracking payments all in one place.
Expense Management
You and your employees can quickly add expense details—including receipts and notes—for faster reporting.
Choose your due date
Pick your own monthly due date. Your business has the control to pay when you want.
Transaction details
Stay on top of your purchases. You can find merchant information like an address, logo, phone number and map, when available.
Recurring transactions
View a list of merchants that charge your business card monthly like subscriptions and bills.
Automatic payments
Set up AutoPay so you don’t have to worry about signing into your account every month.
Year-end summaries
Get an itemized report of your spending to simplify budgeting and tax time.
Free employee cards
Track employee spending while earning all the rewards from their purchases.
Spend limits
Set customized spending limits for employee cards and see transactions as soon as they post.
Account managers
Assign an account manager to make purchases and payments, review transactions and resolve any problems.
Account access
Manage your account online or use the mobile app to get account activity alerts, see payment options, download past account statements and more.
Card lock
Lock your card or an employee’s if it has been misplaced, lost or stolen.
Fraud & security alerts
Receive an email or text message alert if we detect a potential mistake or suspicious charge on your account.
Customer support
Our Capital One business specialists are specially trained to work with business owners and are available to answer any questions you may have.
Extended warranty
Get free additional warranty and protection on eligible items you purchase with your card.
Frequently asked questions
What information is required to apply for a Spark Cash card?
To apply for the Spark Cash credit card, you must be an authorized representative for your business. You’ll need to provide personal and business details to verify your identity and establish creditworthiness. Your application may be declined if you have a freeze with credit bureaus.
Personal information includes:
- Full legal name
- Personal contact information
- Social Security number
- Monthly rent or mortgage payment
Business information includes:
- Tax ID or Employer ID number (EIN), or an SSN for sole proprietorships
- Annual revenue
- Monthly business spend
- Names and information of other Beneficial Owners or Controllers
What benefits come with the Spark Cash card?
The benefits of a Spark Cash credit card range from unlimited 2% cash rewards to travel perks through Capital One Business Travel. The Spark Cash card helps to simplify your business expenses while maximizing your return on spend. Benefits Include:
- An early spend bonus you earn when you spend a certain amount in the first few months after opening your account
- An introductory $0 annual fee—and $95 after that
- Access to our integrated Expense Management and Accounts Payable software
- Access to Capital One Business Travel to book and manage your company’s travel
- Fraud protection, alerts and extended warranties on eligible items
- Earn unlimited 2% cash back on every purchase with no limits or expiration dates
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Business Travel
How do I redeem the cash back I’ve earned using my Spark Cash credit card?
Redeeming the cash you earn with your Spark Cash card is easy. Sign in to your Capital One Business account and navigate to the View rewards section. You’ll see different ways you can redeem your cash back, such as through a statement credit or check.
What credit score is needed to be approved for the Spark Cash credit card?
Spark Cash credit card holders typically have an excellent personal credit score, but there are multiple factors that are considered for approval. You can see if you’re pre-approved for this card and others with no impact to your personal credit score.
More Business Cards
Spark 2% Cash Plus
Unlimited 2% cash back with spend capacity that adapts to your business.
Spark 1.5% Cash Select
Unlimited 1.5% cash back with no annual fee.
- 1
The bonuses are available by clicking the “Apply Now” button on this page, and may not be available if you navigate away from or close this page. The bonuses may not be available for existing or previous Capital One Business card holders. These spend bonuses may be earned independently, meaning you may earn one or both.
- 2
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
- 3
The actual amount of cash back you earn will depend on your purchase activity.
- 4
Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered card to secure transactions. Please refer to your Guide to Benefits for further details.