Capital One® Spark® Cash for Business

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Last updated on September 23rd, 2021


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At a Glance

The Spark® Cash from Capital One® card does away with the tediousness of keeping track of the categories that earn you bonuses in favor of an unlimited 2% cash back on all purchases. Plus, enjoy a healthy introductory cash bonus offer of up to $2,000.

Ideal for Those Who:

  • Do not want to worry about what categories you can earn cash back bonuses from
  • Can see yourself spending $5,000 on purchases within the first 3 months from account opening
  • Need a card that can be used during international travel

Spark® Cash from Capital One® Review

Business owners seeking a straightforward cash back bonus structure on their business spending can look to this card with confidence, as few offer the peace of mind for general expenditures like the Spark® Cash from Capital One® does. When you factor in the card’s lack of a foreign transaction fee, it also becomes a strong tool for companies with an established international reach.

How to Earn Cash Back Rewards

Earning rewards with the Spark® Cash from Capital One® is very straightforward. Companies earn unlimited 2% cash back on all purchases. With free employee cards, there’s no telling how much cash back businesses can earn!

New accounts also benefit from a one-time cash back bonus of $500 after making just $4,500 in purchases in the first three months. Since additional cards are free of charge, that’s a fairly simple goal for the average business.

How to Redeem Capital One Rewards

Cash back through the Spark® Cash is redeemable through the Capital One Rewards program. The program offers solid value for money and features several different award options to choose from. These options include:

  • Statement credits
  • Donations
  • Gift Cards
  • Merchandise
  • Travel
  • Points transfers with select partners

The obvious redemption option for those who get the card will likely be statement credits. After all, they chose the Spark® Cash Card, not the Spark Miles. Still, they will find significant value with this reward option. Plus, as the rewards earned with the Spark® Cash from Capital One® card do not expire, the race to decide what to redeem those points for is no longer an issue.

Other Card Features

The card also provides a variety of security, purchase, and business tools to help out. These include Zero Fraud Liability, Auto rental damage waiver, and year-end summaries. The card also comes with easy-to-use accounting tools – simply download purchase records quickly in Quicken®, Quickbooks™, and Excel® for seamless bookkeeping.

Should You Apply for the Spark® Cash from Capital One®?

Is the Spark® Cash from Capital One® worth it? If your company loves to put spending on the company card, and you’ll likely make at least $4,500 in purchases within the first three months, the answer is probably yes. The 2% cash back on a purchase is exceptional value for money, as is the $500 signup bonus.

The Spark Cash isn’t for businesses that prefer to carry a balance. The fixed-rate APR is very high, making to punishing for those who don’t pay their statement in full every month. This, of course, isn’t the role of a rewards card anyways. For companies that want a card that pays them back when they pay in full, the Spark® Cash from Capital One® is an excellent option.

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.

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