Credit and Habit

Capital OneBusiness card

Capital One Spark 2% Cash

$0 intro annual fee for the first year, $95 after that 2% cash back Earn a $1,000 cash bonus

AT A GLANCE

Credit card overview

Welcome offer

$1,000 cash bonuswhen you spend $10,000 in the first 3 months.

Card categories

  • Cash back
  • Business

What you get

Rewards and benefits

How it earns

Earn unlimited 2%cash back on every purchase with no limits or expiration dates Earn unlimited 5%cash back on hotels and rental cars booked through Capital One Business Travel. Earn unlimited 2%cash back for your business on every purchase,everywhere,no limits or category restrictions. Earn unlimited 5%cash back on hotels,vacation rentals and rental cars booked through Capital One Business Travel

  • $0 intro annual fee for the first year, $95 after that 2% cash back Earn a $1,000 cash bonus
  • Extended warranty Get free additional warranty and protection on eligible items that you purchase with your card.

Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.

What it costs

Fees, rates and terms

Annual fee$95
Purchase APR24.74% variable APR.
Advertised credit profileExcellent Credit

The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Capital One makes every lending decision.

Annual fee and first-year pricing
Enjoy a $0 annual fee for the first year,and then $95 after that.
Foreign transaction fee
Pay zero foreign transaction fees on purchases made outside of the United States.
Redemption options and restrictions
Redeeming the cash you earn with your Spark Cash card is easy.Sign in to your Capital One Business account and navigate to the View rewards section.You’ll see different ways you can redeem your cash back,such as through a statement credit or check.
Purchase protection and extended warranty
Extended warranty Get free additional warranty and protection on eligible items that you purchase with your card.
Authorized users and fees
Business-grade capabilities Empower your team to make purchases while earning rewards on their transactions, with free employee and virtual cards.
Other conditions
$0 fraud liability If your card is lost or stolen, you can get an emergency replacement and a cash advance.

Recorded from Capital One’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.

Your call

Before you apply for the Capital One Spark 2% Cash

  1. This card records an annual fee. Compare the value of benefits you will genuinely use against that recurring cost and a no-fee alternative.
  2. Treat an eligible welcome offer as first-year value only, separately from ongoing rewards. Review spend requirements and account eligibility.
  3. Confirm business eligibility, employee-card fees and any personal-guarantee requirements.
  4. Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.

Read the full application checklist →See how it fits your spending in Find My Card →

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