Reintroducing Spark Cash

Capital One business cards come standard with features like zero foreign transaction fees, free employee cards and access to Accounts Payable. The Capital One Spark Cash for business is no exception.

Keep reading to familiarize yourself with the Spark Cash card from Capital One, and learn about its valuable features and benefits designed to support your business needs.

What you’ll learn:

• Capital One Spark Cash offers all the features Capital One business cards are known for and more.

• Spark Cash has a $0 annual fee for the first year, unlimited 2% cash back on all purchases and features for business like Accounts Payable.

• Applying is easy—you’ll just need your legal business name, address, business tax ID number (TIN) and the Social Security numbers (SSNs) of all the owners. 

The Capital One Spark Cash card helps business owners streamline spending, maximize rewards and enjoy financial flexibility. Whether it’s managing day-to-day expenses, expanding the business or planning travel, this card supports financial growth with a range of key features and benefits like:

Introductory benefits like a cash bonus and no annual fee for the first year can support a company’s growth and help with cash flow from the very beginning. With Capital One Spark Cash, you can take advantage of these offers and earn a $750 cash bonus when you spend $7,500 in the first three months, as well as enjoy no annual fee for the first year (then just $95 each year after that). 

With the Capital One Spark Cash card, your business can earn unlimited 2% cash back on every purchase, with no restrictions. Using your card for regular business expenses such as office supplies or advertising can help you maximize these rewards. And if you book your business travel through Capital One Travel, you can earn 5% cash back on hotels and rental cars—boosting your cash back rewards to help with other essential business costs.

Capital One Spark Cash is built to keep your team moving with benefits like free employee cards, virtual cards and the ability to earn rewards on every transaction. Plus, with access to Accounts Payable, you can make seamless vendor payments to keep your operations running smoothly. Additional benefits geared toward building your business include itemized reports of your business spending and easy access to purchase records in multiple formats, including Quicken®, QuickBooks® and Excel.

For businesses looking to earn great cash rewards with a low annual fee, the Capital One Spark Cash card is an option worth exploring. If you’re considering applying for one, you’ll need the following:

• Eligibility: A qualifying credit score for the Spark Cash card will generally fall in the “excellent” range.

• Documents: You’ll need to provide the legal names, addresses and SSNs of all business owners, along with your business’s legal name, address and TIN.

You can apply online in about 10 minutes—and receive a decision in seconds. 

Start by comparing all of the Capital One business cards for the benefits and features that suit your business needs. Use our pre-approval tool to compare cards, offers and terms without impacting your credit score. 

With 2% cash back on every purchase and 5% on hotels and cars booked through Capital One Travel, the Spark Cash card seems almost identical to the Spark Cash Plus card.

Here’s the difference between the two: Spark Cash Plus is a pay-in-full charge card that adapts to your business with no preset spending limit (NPSL). In contrast, Spark Cash is a credit card, offering the clarity of a fixed credit line. It’s a good choice for businesses that prefer a defined spending limit, to manage their cash flow more effectively. 

Because the needs of business owners are diverse, Capital One offers both options: the adaptability of no preset spending limit and the predictability of a set credit limit. This gives business owners the ability to choose the card and features that best align with their business needs, style and spending priorities.

Interested in the Capital One Spark Cash card? Here are answers to some more questions business owners have:

The Capital One Spark Cash for business card offers business owners enticing introductory benefits, unlimited rewards capabilities and business features to enhance their operations. 

If your business is ready to partner with Capital One to start earning rewards, apply for the Capital One Spark Cash for business card today.