Spark Cash

Annual fee: $95
Network: visa
Type: business

Earn an unlimited 2% cash back on every purchase made for your business with no category restrictions.

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Welcome offer

Earn a one-time $1,000 cash bonus once you spend $10,000 on purchases within the first 3 months from account opening.

Est. value: $1,000
Minimum spend: $10,000
Within: 3 mo

First-year annual fee waived

Earning rates

all other purchases
none
2×
cash back
Unlimited 2% cash back on every purchase.
Top earn
hotels
Booked through Capital One Travel
5×
cash back
Capital One Travel · 5% cash back on hotels booked through Capital One Travel.
Top earn
car rentals
Booked through Capital One Travel
5×
cash back
Capital One Travel · 5% cash back on rental cars booked through Capital One Travel.

On-card benefits & credits

Annual Fee Refund (Spend Tier)
$150
/annual
Unlocks after $150,000 calendar-year spend on the card. Capital One will refund the $150 annual fee every year this threshold is met.
Free Employee Cards
$50
/annual
Add employee cards to your account at no additional cost and earn rewards on their business spending.
Account Managers
$0
/annual
Assign an account manager to make purchases, payments, and review transactions on behalf of the business.
$0 Fraud Liability
$0
/annual
Coverage for unauthorized charges if your card is lost or stolen, including emergency card replacement.
Year-end Summaries
$0
/annual
Receive an itemized report of your spending at the end of the year to simplify budgeting and tax preparation.
Purchase Record Downloads
$0
/annual
Securely download purchase records into formats like Quicken, QuickBooks, and Excel.

Other Capital One cards

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