Capital One® Spark® Cash for Business

welcome offer

Earn $500 after $4,500 spent within the first 3 months.

Bonus Cash Value

Approximately $500*

Annual Fee

$95 (waived 1st year)

Card Rewards

Earn unlimited 2% cashback on every dollar spent

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.

Card Overview

The Capital One Spark Cash earns unlimited 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.

Card-Smart Tips & Advice
  • Excellent credit needed
  • Step by step guide how to apply without a legal business
  • You can earn the welcome bonus again even if you received the bonus in the past
  • You can only get approved for 1 Capital One card every 6 months
  • Capital One business credit cards report on your personal credit report
  • Capital One will do a hard credit inquiry by all three credit bureaus (You can freeze one credit report and still get approved)
  • You can check your application status by calling 1 800 903 9177 or 1 877 277 5901
  • If declined you can call 1 800 625 7866 to be reconsidered. (Capital One will usually only reconsider an application due to application error)
Card Details And Benefits
  • No Foreign Transaction Fee
  • Auto Rental Collision Insurance
  • Travel Accident Insurance
  • Lost Luggage Reimbursement
  • Purchase Protection
  • Price Protection

Compare 2% Cashback Cards

 
Citi Double CashAmex Blue Business CashCapital One Spark CashCapital One Venture
Welcome offerN/A$250 after $5,000 spent in the first 3 months$500 after $4,500 spent in the first 3 months50,000 points after $3,000 spent in the first 3 months
Intro 0% APR18 months on balance transfers12 months on balance transfers and purchasesN/AN/A
Card typePersonalBusinessBusinessPersonal
Rewards2% cashback on all purchases2% cashback on up to $50,000 spent annually2% cashback on all purchases2 points on all purchases
Annual fee$0$0$95-first year waived$95
Auto rental insuranceN/ASecondary Auto rental insurancePrimary coverage for domestic and international if the rental is for business purposes and secondary coverage for personal reasons (up to 31 days)Secondary coverage for collision damage and theft on a domestic rental (up to 15 days) and primary coverage for international rentals (up to 31 days)
Extended warranty protectionN/AFor one yearDoubles the length of the manufacturer’s warranty up to one additional year ( the original warranty must be for a maximum of 3 years) up to $10,000 per claim  Doubles the length of the manufacturer’s warranty up to one additional year ( the original warranty must be for a maximum of 3 years) up to $10,000 per claim  
Purchase protectionN/AFor 90 days, covers theft or damage up to $1,000For 90 days, covers theft or damage up to $10,000 per claimFor 90 days, covers theft or damage up to $500 per claim
foreign transaction feeyesyes nono
Travel accident insuranceN/AN/AUp to $250,000Up to $250,000
Lost luggage reimbursementN/AN/AReceive up to $3,000 ($2,000 for NY residents) Receive up to $3,000 ($2,000 for NY residents)
Price protectionN/AN/AIf there’s a cheaper advertised price within 60 days then you’ll get reimbursed up to $250 per item up to $2,500 per yearN/A
$100 credit towards global entry or TSA pre-checkN/AN/AN/AYou can receive this benefit once every 4 years
 

Additional Resources

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

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