Capital One® Spark® Cash for Business


Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.


Capital One® Spark® Cash for Business

Welcome Offer

Earn a $500 bonus once you spend $4,500 within 3 months from account opening.

Bonus Value

Approximately $500

Annual Fee

$95 first year waived.

Application Tips

  • Good credit needed.
  • You can only get approved for one Capital One card every 6 months.
  • Capital one will do a hard credit inquiry by all three credit bureaus.
  • Step by step guide how to apply without a legal business
  • Capital One business credit cards report on your personal credit reports.
  • If declined you can call the reconsideration department (800) 625-7866

Card Details And Benefits

  • Earn 2% back on every dollar spent.
  • No Foreign Transaction Fees
  • Auto Rental Collision Waiver
  • Lost Luggage Reimbursement
  • Travel Accident Insurance
  • Travel and Emergency Assistance Services
  • 90 Day Purchase Protection
  • Extended warranty protection
  • Price Protection

Key Takeaways

The Capital One Spark Cash earns 2% cashback on every dollar spent. It’s also one of the only cards that still have price protection. Plus, some great protections like 90-day purchase protection and extended warranty protection. Capital One travel benefits include free foreign transaction fees and auto rental collision waiver.


Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.

The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers.