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Are you operating a business, in search for the perfect business card? Look no further! The Capital One Spark Cash is designed for small businesses in mind – earn a one-time $750 cash bonus once you spend $7,500 on purchases within 3 months from account opening.
Update 11/14/24: You can currently earn a $750 bonus after meeting the spend requirement.
This card is amazingly designed for you to earn 2% cash back on every purchase! Capital One is well known for their rewards program. Points never expire as long as your account remains open and your cash-back earnings are unlimited.
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Capital One Spark Cash Review
The Capital One Spark Cash is one of the better business credit cards out there. The Spark Cash for Business card allows you to earn 2% cash back on all purchases made. The best part is that you can earn as much as you want. There is no limit to earning rewards!
Small business owners will get to enjoy the flexibility and ease of use with the Capital One Spark Cash card. This card allows businesses the chance to earn high rewards. Plus, the annual fee of $95 is quite low compared to other high rewards credit cards. Capital One will waive the annual fee for the first year; therefore, you will not have to pay the $95 annual fee until a year later.
The Capital One Spark Cash offers a great welcome bonus after you have met the spending requirements within the 3 months of approval. The Capital One Reward Program offers consumers the ease of mind knowing that all points earned never expire if the account remains open. Redeem points any time, in any amount, and however you want to redeem it!
Capital One Spark Cash Summary
| Bonus Available | Earn a one-time $750 cash bonus once you spend $7,500 on purchases within 3 months from account opening. |
| Ongoing Rewards/Benefits | Unlimited 2% cash back on all purchases.
Employee cards at no extra cost. |
| Foreign Transaction Fees | No |
| Annual Fee | $95, waived your first year. |
| Ink Business Preferred® Card 90K Points after $8,000 spend within first 3 months | Ink Business Unlimited® Credit Card $750 Bonus after $6,000 spend within 3 months |
| Capital One Venture X Business 150K Miles after $30,000 spend within 3 months | Ink Business Cash® Credit Card Up to $750 Bonus: Earn $350 after $3,000 spend in the first 3 months and an additional $400 with $6,000 spend in the first 6 months. |
| Chase Sapphire Preferred® Card 60K Points after $4,000 spend within 3 months. | Chase Freedom FlexSM $200 Bonus after $500 spend within 3 months |
| The Platinum Card® from American Express 80K Points after $8,000 spend within 6 months. Terms Apply. | Capital One Venture Rewards Credit Card 75K Points after $4,000 spend within 3 months |
| American Express® Gold Card 60K Points after $6,000 spend within 6 months. | Chase Freedom Unlimited® Card earn an additional 1.5% cash back on everything you buy --- on up to $20,000 in the first year! |
| Blue Cash Preferred® Card from American Express $250 Welcome Offer after $3,000 eligible spend within 6 months. Terms Apply. | Blue Cash Everyday® Card from American Express $200 Welcome Offer after you spend $2,000 in purchases on your new Card within the first 6 months. Terms Apply. |
| Chase Sapphire Reserve® Card 60K Points after $4,000 spend within 3 months. | Capital One Quicksilver Cash Rewards Card $200 Bonus after $500 spend within 3 months |
Capital One Spark Cash Bonus Cash
Earn a one-time $750 cash bonus once you spend $7,500 on purchases within 3 months from account opening.
Redeeming Your Spark Cash Rewards
Redeem at any point with no minimums for:
- Statement credits
- Checks
Set up automatic redemption preferences, such as:
- On a set date each calendar year
- When you hit a specific dollar figure ($25, $50, $100 or $200)
If you don’t set up automatic preferences, you can redeem on request.
Capital One Spark Cash Benefits & Perks
- 1st Year Annual Fee Waived. After the first free year of card membership you have a low annual fee of $95.
- Unlimited Rewards. Earn 2% cash back on all purchases with no limits and no expiration on rewards earned.
- Free Employee Cards.
- Fraud Coverage & Alerts. Gain a peace of mind knowing that Capital One will provide real-time alerts of fraud attempts- via text, email, or phone. Capital One’s $0 Fraud Liability policy covers you if your card is ever lost or stolen.
- Quarterly & Year-End Summary. As a business owner, enjoy a custom, itemized report of your spending. This’ll help simplify planning, budgeting, and tax time without paying any additional fees for the report.
- No Foreign Transactions Fees. Capital One strongly supports no foreign transaction fees across most of their cards. This one is no exception.
- Auto Rental Collision Damage Waiver. As an extra benefit to cardholders, Capital One will provide you coverage for damage due to collision or theft when you rent an eligible car with your Capital One Spark Business Card.
- Purchase Security & Extended Protection. With the Spark Cash Business card, get any eligible item replaced, repaired, or reimbursed in the event of theft or damage within the first 90 days of purchase. Also get an additional warranty protection on eligible items purchased with the Spark Cash Business card, up to 1 year past the manufacturer’s warranty.
- Visa® SavingsEdge. The Spark Business Visa card participates in the Visa® SavingsEdge program where you can shop with your card and save up to 15%.
Why You Should Apply for This Card
Earn 2% Cash Back: Earn 2% cash back per $1 on every purchase, every day. No limitations or rotating categories to keep up with. Rewards won’t expire for the life of the account. In addition, there is no limit to the amount of cash back you can earn.
Redeem cash back as a statement credit or a check. You can set up automatic redemption either at a set time each calendar year or when a specific threshold has been reached. Other redemption options include statement credit and gift cards. Note that rates for each redemption options may vary and are subject to change without notice.
No Foreign Transaction Fee: Use this card when traveling abroad without paying a fee. Keep earning your rewards.
Travel and Purchase Perks: This card offers benefits that include auto rental collision damage waiver with primary coverage, travel and emergency assistance services, lost luggage reimbursement, purchase security, and extended warranty protection.
Employee Cards at No Additional Cost: Earn points when your employees use their card. Note that if you let employees use the account, they’ll be authorized users. That means, they’ll have equal charging privileges unless you established individual spending limits.
Various Discounts: When you make purchases with this card, you can receive discounts at retailers and special access to popular sporting events. Enjoy premiere golf benefits and more. Plus, enjoy saving up to 15% at various merchants with Visa SavingsEdge. And if you’re traveling, check out the Visa Signature Luxury Hotel Collection with exclusive benefits and bookings at over 900 hotels.
Quarterly and Annual Summaries: Receive quarterly and annual spending summaries. The summaries include a detailed, itemized, and categorized look at your spending during the covered period. Plus, get detailed reports of employee spending, if applicable.
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Bottom Line
All in all, as a small business owner, this card is for you. The Capital One Spark Cash card allows you to earn a one-time bonus after meeting the spend requirements within the first 3 months. Plus, you can earn an unlimited 2% cash back on all purchases made with the card. Capital One also offers many benefits and perks to their cardholders.
| PROMOTIONAL LINK | OFFER | REVIEW |
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| U.S. Bank Gold Business Checking Package | $900 Cash | Review |
| U.S. Bank Platinum Business Checking Package | $900 Cash | Review |
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| Huntington Bank Unlimited Plus Business Checking | $1,000 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $100 Cash | Review |
| Axos Bank Basic Business Checking | $400 Cash | Review |
| Axos Bank Business Interest Checking | $400 Cash | Review |
| Regions Bank Business Checking | $150 Cash | Review |
| NorthOne Business Checking | $20 Credit | Review |
| Novo Business Checking | $75 Cash | Review |
| BlueVine Business Checking | 2.00% APY | Review |
Also, it waives the $95 annual fee for the first year! See our full list of credit card bonuses for all your credit card needs!
Hustlermoneyblog has partnered with CardRatings for our coverage of credit card products. Hustlermoneyblog and CardRatings may receive a commission from card issuers.
Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit
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