Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

Intro APR Purchase


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Intro APR for Balance Transfer


Regular APR

19.24% (Variable)

Annual Fee

$0 intro for first year; $95 after that


  • Sign up bonus
  • Unlimited 2% cash back
  • Easy reward redemption
  • No foreign transaction fees


  • Annual fee after the first year


    • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
    • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
    • Use Spark Cash across all your business spend, with no categories to limit your purchasing
    • $0 intro annual fee for the first year; $95 after that
    • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
    • Get employee cards at no additional cost, and earn rewards from their business spend