Spark® Cash from
Capital One®

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Spark® Cash from Capital One®

Credit Level: EXCELLENT

Average Customer Rating Read all 845 reviews

View important rates and disclosures

Unlimited Rewards

Get unlimited 2% cash back and you could be putting thousands of dollars back into your business. Redeem at any time with no minimums.

New Cardmember Offer

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Annual Fee

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Fraud Coverage and Alerts

We've got you covered with zero fraud liability if your card is lost or stolen. Plus, get automatic fraud alerts via text, email, or phone call.

Purchase Rate

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Free Employee Cards

Add employee cards for free and earn all the rewards from their purchases.

Rewards Your Way

Get cash back rewards for any amount at any time with no expiration date for the life of the account.

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$500,000
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See how Farmgirl Flowers used $115K in rewards to drive business forward.

Christina Stembel | Founder & CEO, Farmgirl Flowers

Card features and benefits


Our cash back business credit cards come with these features

Year-end summaries

Get a custom, itemized spending report to simplify planning, budgeting, and taxes.

No foreign transaction fees

Make purchases outside of the US with zero transaction fees.

Easy accounting

Download your purchase records quickly and securely to multiple formats including Quicken®, Quickbooks™, and Excel®.

Spark® Cash also comes with these Visa® Business Benefitsfootnote3

Emergency card replacement

Get a replacement Visa Signature Business card sent to you or receive emergency cash at a convenient location via this worldwide 24/7 service.

Auto rental damage waiver

Visa has you covered for any damage caused by collision or theft when you rent an eligible car.

Purchase security and extended protection

Visa will replace, repair, or reimburse eligible items within 90 days of purchase. Plus, it doubles the length of the manufacturer's warranty.

Want to see our business cash back cards?

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Rate and fee information

{{PRODUCT_NAME_SHORT}} Credit Card from Capital One

{{PRODUCT_NAME_SHORT}} Credit Card from Capital One

  1. This one-time 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 Spark cardholders.

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

  3. 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.