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Capital One Spark Cash

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Rating

4.6/5

2% Cash Back on every purchase. 5% Cash Back on hotels and rental cars booked through Capital One Travel.

Welcome Offer
Earn $750 Cash Back
Annual Fees
$95
Regular APR
25.24% (Variable)
Credit Score Needed
Excellent

The Capital One Spark Cash is a business cash back credit card designed for business owners seeking straightforward rewards for their everyday spending. It offers an uncomplicated rewards structure and flexible redemption options, making it suitable for businesses of various sizes.

Key Features

Annual Fee: $0 intro for the first year, then $95

Welcome Bonus: Earn a one-time $750 cash bonus after spending $7,500 on purchases within the first 3 months)

Rewards Rate:

  • 2% cash back on every purchase, everywhere
  • 5% cash back on hotels and rental cars booked through Capital One Travel

Foreign Transaction Fees: None

Rewards and Redemption

The Spark Cash card features a simple and generous rewards program:

Earning Cash Back: Cardholders earn unlimited 2% cash back on all purchases, with no caps or category restrictions

Bonus Earning: 5% cash back on hotels and rental cars booked through Capital One Travel

Redemption Options:

  • Statement credits
  • Direct deposits
  • No minimum redemption amount required

Cash back rewards never expire as long as the account remains open=

Business Benefits

The card includes several business-focused features:

  • Free employee cards with the ability to earn rewards on their spending
  • Year-end spending summaries
  • Purchase records are downloadable in multiple formats, including QuickBooks and Excel

Additional perks

  • Automatic payment options
  • Emergency card replacement
  • Account manager assignment capability

Who Should Get This Card?

The Capital One Spark Cash is ideal for:

  • Business owners who prefer cash back over travel rewards
  • Companies with consistent monthly spending
  • Those who value simplicity in their rewards program
  • Businesses looking for a card with no foreign transaction fees

The card's straightforward earning structure and flexible redemption options appeal to businesses seeking simplicity. While it carries an annual fee after the first year, the unlimited 2% cash back rate can provide significant value for businesses with substantial spending. The card requires excellent credit, typically 720 or higher, for approval.

Pros

  • Travel Booking Bonus Rate: Earn an elevated 5% cash back on hotels and rental cars booked through Capital One Travel

  • No Spending Caps: Offers truly unlimited 2% cash back with no category restrictions or maximum earning limits

  • First Year Value: $0 annual fee for the first year combined with welcome bonus opportunity makes first-year value particularly strong

Cons

  • Limited Travel Benefits: Lacks meaningful travel perks or protections compared to other business cards

  • Basic Business Features: Only offers standard business tools like employee cards and expense summaries

  • Inflexible Rewards: Cash back can only be redeemed as statement credits or deposits

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Capital One Spark Cash

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Rating

4.6/5
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