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
$250 Travel Credit
For a limited time, earn a $250 Capital One Business Travel credit when you spend $10,000 in the first 3 months. 1
Travel rewards
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel. 3
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.
BENEFITS OF SPARK 2% CASH 5
Automatic payments
Set up AutoPay so you don’t have to worry about signing into your account every month.
$0 fraud liability
If your card is lost or stolen, you can get an emergency replacement and a cash advance.
Year-end summaries
Get an itemized report of your spending to simplify budgeting and tax time.
Account managers
Assign an account manager to make purchases and payments, review transactions and resolve any problems.
Purchase records
Quickly and securely download your purchase records into multiple formats including Quicken®, QuickBooks® and Excel®.
Virtual card numbers
Make safer payments online without exposing your actual card number with merchants.
Application Requirements
What to know for your application
10 MINUTE APPLICATION
It takes about 10 minutes to apply and you'll get a decision in seconds.
BUSINESS OWNER INFORMATION
You'll need to know legal names, addresses and SSNs for all business owners.
BUSINESS INFORMATION
Gather your legal business name, address and business tax ID number (TIN).
Frequently asked questions
1. 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
2. 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
3. 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.
4. 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.
5. Are the cash rewards I earn with my Spark Cash credit card taxable?
The cash rewards you earn through spending on your Spark Cash card are not taxable. This includes your early spend bonus. However, we recommend you consult your tax expert if you have additional questions.
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
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. - 2
This bonus is 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 bonus may not be available for existing or previous Capital One Business card holders.
- 3
Rewards and benefits may vary between Capital One Travel and Capital One Business Travel. See website for more details.
- 4
The actual amount of cash back you can earn will depend on your credit limit and purchase activity.
- 5
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.