Are you shopping around for a flat-rate cash back business credit card? Capital One® Spark® Cash for Business could be worth looking into if earning unlimited 2% cash back on all purchases sounds exciting to you. In addition, this credit card offers a myriad of tangible perks and benefits including no foreign transaction fees, purchase protection, travel and emergency assistance services and more.

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Capital One<sup>®</sup> Spark<sup>®</sup> Cash for Business

Capital One® Spark® Cash for Business

  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • $0 annual fee for the first year; $95 after that
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount

N/A

18.74% (Variable)

$0 intro for first year; $95 after that

Why we like it
  • Earn unlimited 2% cash back for your business on every purchase, everywhere.
Excellent, Good

Here, GET.com provides answers to key questions about how Capital One® Spark® Cash for Business works and what it offers.

See more details of Capital One® Spark® Cash for Business here

Frequently Asked Questions About Capital One® Spark® Cash for Business
Do I get a welcome bonus if I go for this card?
Is this a good cash back credit card?
Are there ways to earn additional cash back?
Will my cash rewards expire?
Do I get any special benefits from this card?
Is this card good for purchases?
Is this card good for for taking cash out of the ATM?
Does this card have an annual fee?
How do I redeem my cash back?
Is this a good card for international spending??
Is there a penalty if I pay late?
Who is this card for?

Questions And Answers For Capital One® Spark® Cash for Business

Question: Do I get a welcome bonus if I go for this card?

Answer: Yes, Capital One® Spark® Cash for Business lets you earn a one-time cash bonus of $500! Earn $500 cash bonus after you spend $4,500 on purchases within 3 months from account opening. If you have had this credit card before, keep in mind the sweet sign-up bonus may not be available to you.

Question: Is this a good cash back credit card?

Answer: Yes, this credit card lets you earn unlimited rewards on purchases charged to your card. To put things into perspective, Capital One® Spark® Cash for Business offers you a generous flat rate 2% cash back on all your net purchases. That could very well mean thousands of dollars going back into your business every year! There is no cap to the amount of rewards you can earn on your purchases and no minimum to redeem, making this credit card a fantastic one to reach for no matter whether you are spending on office supplies, business expenses, meals and more.

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Question: Are there ways to earn additional cash back?

Answer: Yes, Capital One lets you add employee cards at no extra cost. When your employees make purchases on their employee cards, you will earn all the rewards from their purchases. This is a big perk if your employees are the ones who stock up on office supplies, book travel reservations for you and your staff, etc.

Question: Will my cash rewards expire?

Answer: Fortunately, they don't. Your cash rewards are yours without an expiry date as long as your account is open, active and in good standing. Capital One has made it clear that your rewards are yours for the life of your account.

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Question: Do I get any special benefits from this card?

Answer: Yes, absolutely. Besides fraud coverage and alerts, Capital One® Spark® Cash for Business offers a host of Visa® Business Benefits including auto rental collision damage waiver, purchase security and extended protection, travel and emergency assistance services. Terms and conditions apply. To help simplify your planning, budgeting and tax preparations, Capital One will provide you with your custom, itemized report of your spending summary every quarter and at the end of the year.

Question: Is this card good for purchases?

Answer: This credit card is good for purchases if you do not carry balances. Capital One® Spark® Cash for Business has a 18.74% variable APR and it does not offer a 0% introductory APR unlike some other cards on the market.

Question: Is this card good for taking cash out of the ATM?

Answer: If you ever need to get cash from the ATM, make sure that card you are using is not Capital One® Spark® Cash for Business. It has a 24.74% variable cash advance APR along with cash advance transaction fees amounting to either $10 or 3% of the amount of each cash advance, whichever is greater.

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Question: Does this card have an annual fee?

Answer: Yes, you will have to pay to use the credit card after your first year of card membership. This credit card has a $0 intro annual fee for the first year, $95 after that.

Question: How do I redeem my cash back?

Answer: You have a couple of options when it comes to redeeming your cash back. You can receive your cash back in the form of a check or a statement credit upon request. If you prefer to spend your precious time on other things that are more important than bothering about getting your cash back, you can also opt to set up an automatic redemption preference. With this option, you can either choose to receive your cash back automatically (i) at a set time each calendar year (e.g. year end) or (ii) when a specific threshold has been reached (e.g. $25, $50, $100 or $200). Keep in mind you will only receive your cash back upon request if you do not set up an automatic redemption preference online on capitalone.com or via their Rewards Center.

Question: Is this a good card for international spending?

Answer: Yes, you will not have to pay foreign transaction fees when making purchases outside of the United States or online in foreign currencies. Most credit cards charge a hefty 3% foreign transaction fee, so this perk can save you quite a bit of money in the long run especially if you and your staff frequently make business trips outside of the country.

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Question: Is there a penalty if I pay late?

Answer: Yes, you will be liable for a late payment fee of up to $39 if you do not pay your credit card bill on time. Additionally, a hefty 31.15% variable penalty APR may be applied to your account if you do not pay on time.

Question: Who is this card for?

Answer: Capital One® Spark® Cash for Business is an excellent credit card that lets business owners earn a flat rate 2% cash back on all their purchases, regardless of category. The best thing about this perk is there is no limit to how much cash back you can earn. Plus, you get to earn rewards when your employees spend on their employee cards - your employee cards come free, too. While this credit card has a $0 intro annual fee for the first year, $95 after that, it is still a reasonable amount since the amount of cash back you can potentially earn will likely outweigh this figure easily. Needless to say, the bonus offer this card has is an incredibly attractive one. To sum up, Capital One® Spark® Cash for Business can be a very rewarding cash back credit card if you do not carry balances.

More about Capital One® Spark® Cash for Business:
Read Our Capital One® Spark® Cash for Business Review
GET.com's Best Business Credit Cards 2019
Best Business Credit Cards With Bonus Offers 2019
Best Rewards Credit Cards For Small Businesses

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