This card has no foreign transaction fee. Editor’s note: This is a recurring post, regularly updated with new information. Earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months from account opening. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Many, but not all, of the offers and clickable hyperlinks (such as a “Next” button) that appear on this site are from companies that compensate us. With an unlimited 2% cash back on all purchases, Spark Cash promises the highest rewards value, followed by Spark Cash Select at a … Many, but not all, of the offers and clickable hyperlinks (such as a “Next” button) that appear on this site are from companies that compensate us. Capital One Spark Cash for Business – Review. This card offers a lower 1.5% flat cash back rewards rate with no annual fee, plus an introductory 0% interest on new purchases for 9 months (variable APR of 13.99% to 23.99% thereafter). All Rights Reserved. You must check the box to agree to the terms and conditions. We want to help you make more informed decisions. Just make sure you spend enough to earn back the ongoing $95 annual fee. You can redeem in any amount, and even set up automatic redemptions based on specific dates throughout the year or after you reach a certain threshold. If you do, the high variable interest rate this card charges will wipe out your rewards. The Capital One Spark Cash Select for Business offers $200 if you spend $3,000 in the first three months. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. If your business spending isn’t enough to qualify for the welcome bonus or outpace the $95 fee, the Capital One Spark Cash Select for Business* might be a better fit. If your business spending totals $20,000 annually, for example, your ongoing cash back rewards value will be $305. The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Find out all about the Capital One® Spark® Cash for Business - we'll provide you with the latest information and tell you everything you need to know to find your perfect card. Compare this with other business card bonuses here. All information is presented without any warranty or guarantee to you. This site does not include all credit card companies or all available credit card offers that are on the market. But owners of larger businesses can benefit, too. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. We only recommend products we either use ourselves or endorse. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This site does not include all credit card companies or all available credit card offers. To support our work, we are paid for providing advertising services. Capital One Spark Cash Select for Business. The information regarding the Capital One® Spark® Cash for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. "Earn unlimited 2% cash-back on every purchase". For more information on our advertisers, see here. U.P. This card is amazingly designed for you to earn 2% cash back on every purchase! Capital One travel benefits include free foreign transaction fees and auto rental collision waiver. Enjoy the freedom to purchase above your credit limit and earn unlimited rewards with no hassle and no over-limit fees. We do not cover every offer on the market. The Capital One Spark Cash for Business provides 2% cash back on all purchases, making it a solid card for everyday spending as well as a compelling choice for businesses that want one card to use for all their spending. So, your actual offer terms from an advertiser may be different than the offer terms on this site. Our highest-rated Capital One credit cards are the Capital One Spark Cash Select for Business and the Capital One® Spark® Cash for Business . So, your actual offer terms from an advertiser. Apply online today. And the advertised offers may be subject to additional terms and conditions of the advertiser. Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions. Sign in to access Spark Business online banking. It will NOT be published. While the Spark Cash Select from Capital One does offer a sign-up bonus, it’s not up to par with the bonuses offered by some other cash back cards for businesses. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. For more information on our advertisers, see here. All information is presented without any warranty or guarantee to you. The Capital One Spark Cash Select for Business earns 1.5% back on all purchases. - UPDATED: November 17, 2020 The information regarding the Capital One® Spark® Cash for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer. Rating ? Credit Score Needed: Excellent (700+) Minimum initial credit limit: $2000. Purchases made on employee cards will also earn cash back on your account, and you can set spending limits for each card. Click here to see a list of advertisers that we work with. https://businesscreditblogger.com/2017/08/31/capital-one-spark-cash-for-business-review/ Looking for a Capital One Spark Cash for Business Review? Disclaimer: Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. They have high, unlimited cash-back rewards as well as competitive rates. Your rewards most valuable when redeemed as a cash statement credit or a mailed paper check. You don’t have to worry about rotating categories and rewards can be redeemed at any time , and for any amount. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. credit scores of 700+). If you do not have excellent credit, you could consider the Spark Classic for Business which is designed for business owners with fair credit or … The Capital One® Spark® Cash Select for Business is an easy choice for small-business owners who want simple cash-back rewards, no foreign transaction fees and an annual fee of $0. We only recommend products we either use ourselves or endorse. Our reporters create honest, accurate, and objective content to help you make decisions. Opinions and product recommendations on this site are ours alone, and have not been influenced, reviewed or approved by the issuer. Though it comes with a $95 annual fee, the Spark Cash card has a higher rewards rate that can help heavy spenders earn more rewards than with the Spark Cash Select. We strive to keep our information accurate and up-to-date, but some information may not be current. You’ll also need to have some form of business to qualify, whether you own a business with employees or do contract work as a sole proprietor. The Capital One® Spark® Cash for Business is great for a business owner looking to earn 2% cash-back on all purchases without a high annual fee. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. American Express Blue Business Cash™ Card. If you’re looking for straightforward cash back, Capital One Spark Cash is a good card based on its rewards rate alone. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. Ink Business Cash One is a flat-rate card with a big bonus; the other offers tiered rewards and a … Redeem at any time with no minimums. Capital One Spark Cash for Business has one of the best and simplest business rewards credit card programs, with a large sign-up bonus and excellent earning scheme. While it does have a $95 annual fee, it is waived for the first year, thus lowering the … Capital One small business credit cards offer rewards for your purchases. $0 intro for the first year, $95 after that. You should also plan your spending so you qualify for the $500 cash bonus offer upon approval — you’ll need to make $4,500 in new purchases within three months of account opening. This site does not include all credit card companies or all available credit card offers that are on the market. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). You can earn a solid welcome bonus and rack up 2% back for each dollar you spend. Editorial content from NextAdvisor is separate from TIME editorial content and is created by a different team of writers and editors. Full Disclosure: We may receive financial compensation when you click on links and are approved for credit card products from our advertising partners. Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening. Learn more about this card, read our expert reviews, and apply online at CreditCards.com. Earn unlimited 1.5% cash back on every purchase you make with the Spark Cash Select business credit card from Capital One. Capital One® Spark® Cash for Business With the Capital One® Spark® Cash for Business, you have the ability to earn 2% cash back on all of your purchases . Compensation from the issuer does not affect our rating. The Capital One Spark Cash for Business comes with a great sign-up bonus: Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening. Straightforward cash back rewards make the Spark Cash a great option for sole proprietors or freelancers whose expenses don’t fit into traditional business card categories or who don’t want to deal with the hassle of a more complicated rewards program. Business Cash Back Comparison: Capital One Spark Cash vs. For more information, see, One-time $500 cash bonus when you spend $4,500 within three months of account opening. Get unlimited 2% cash back and you could be putting thousands of dollars back into your business. © 2021 NextAdvisor, LLC A Red Ventures Company All Rights Reserved. If you’re ready to get started with Spark Cash, or if you need some more time to review your options, simply use the buttons below! Your next move: Sign up for our newsletter. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments. Earn unlimited 2% cash back on every purchase you make with the Spark Cash business credit card from Capital One. Some links on this page — clearly marked — may take you to a partner website and may result in us earning a referral commission. After you’re approved for the Capital One Spark Cash for Business, you can earn a generous unlimited 2% back on each purchase you make for your business. However, smaller businesses with few expenses may run into some issues offsetting the card’s annual fee. These cards are both designed for people with excellent credit:. The Capital One® Spark® Cash for Business card offers a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening. We strive to keep our information accurate and up-to-date, but some information may not be current. Alex has been traveling for over 25 years and from a young age was lucky enough to set out on numerous family trips all over the world, which gave him the travel bug. Get cash back rewards for any amount at any time with no expiration date for the life of the account. The Capital One Spark Cash for Business is a solid cash-back credit card, especially if you want a simple rewards program that provides a lot of value. See privacy policy. These simple cash … The Capital One Spark Cash for Business is designed for small businesses in mind. Earn unlimited cash back on equipment, inventory, advertising and everything in between. *All information about the Capital One Spark Cash for Business, Capital One Spark Cash Select for Business, and Capital One Spark Miles for Business has been collected independently by NextAdvisor and has not been reviewed by the issuer. After you’re approved for the Capital One Spark Cash for Business*, you can earn a generous unlimited 2% back on each purchase you make for your business. Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater. Capital One offers five different credit cards in its Spark family of business cards.This is a review of its business card designed for fair or average credit, the Capital One Spark Classic for Business.. At NextAdvisor we’re firm believers in transparency and editorial independence. Bonuses, rewards as well as rates and fees are all taken into account. The intro period for the Capital One Spark Cash Select for Business is 0% on purchases for 9 months, then 13.99% - … offer terms on this site. On the other hand, if you have a lot of purchases in common business rewards categories — like travel, office supplies, and advertising — you may find more value from other cards with tiered bonus points or cash back in those categories. $200 is an average-sized bonus for a business card — you could score a bigger initial bonus with many comparable cards, including the Capital One Spark Cash for Business card. Capital One offers three cash back cards for businesses. We want to help you make more informed decisions. Capital One Spark Cash for Business Review. Both Spark Cash cards earn cash back at a flat rate on every purchase with no limits, a compelling feature for businesses that spend a lot of money but don’t want to think too much about redeeming their rewards. The Capital One Spark Cash for Business Credit Card is ideal for business owners who want rewards for their spending but have no time for rewards categories. Free employee cards can increase your rewards earned, and the flat cash back system makes Spark Cash a good option for variable business expenses. This card is best for business owners looking for simple rewards on their spending. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site — and prior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. The Capital One Spark Cash for Business is a great card to add to your business spending arsenal. Where many similar business cards earn 1% to 1.5% back in rewards on regular spending, this card racks up a flat 2% back on each dollar you spend for business. Bonuses, rewards as well as rates and fees are all taken into account. In addition, as an Amazon Associate we earn from qualifying purchases. © 2021 Upgraded Points™, LLC. The Capital One Spark Cash Select for Business has a $0 annual fee, while the Capital One Spark Cash for Business has $0 intro for first year; $95 after that. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site — and p. rior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. If you’re a business owner looking to earn uncomplicated cash rewards on your spending, the Capital One Spark Cash may be a good fit. The Capital One Spark Cash Select has a nearly-identical sibling: Capital One® Spark® Cash for Business credit card *. The Capital One Spark Cash earns unlimited 2% cashback on every dollar spent. Cardholders can … This is a pretty basic card, only offering 1% cash back for every purchase. It’s not the best bonus out there, but the card also doesn’t cost anything to carry.. The Capital One® Spark® Cash for Business may be best for business owners who spend more and can offset the annual fee each year, and the Capital One® Spark® Cash Select for Business is a good option for business owners who don’t want to hassle with an annual fee. And the advertised offers may be subject to additional terms and conditions of the advertiser. You can even set up automatic redemptions on a specific date each year, or any time you reach a specific threshold of rewards among these options: $25, $50, $100, $300, $500 or $1,500. These simple cash back rewards, combined with a $500 welcome bonus (after spending $4,500 in the first 3 months) and free additional cards for employees make this a solid choice for small business owners. Use your User ID and Password to sign in on desktop or mobile devices. Small business owners have a lot to like with the Capital One Spark Cash for Business credit card. Don’t carry a balance on the Capital One Spark Cash for Business. For best chances of approval, you should have a credit score of good-to-excellent (at least 670) before applying. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Which Capital One Spark Cash card is better in the first year? As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships. We are an independent publisher. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. The Capital One® Spark® Cash for Business is great for a business owner looking to earn 2% cash-back on all purchases without a high annual fee. 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