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Spark Cash Business Credit Card

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Highlights

  • Earn 2% cash back on every purchase, every day
  • Get a $100 cash bonus - just spend $1,000 on purchases within the first 3 months
  • Receive a $50 cash bonus by signing up for one or more employee cards
  • Enjoy award-winning small business customer service

Rates & Terms

Purchase Intro APR Regular APR Annual Fee Balance Transfer Period
N/A 13.9%* (Variable) $0 for first year, $59 thereafter N/A
  • Purchase Intro Period: N/A
  • Balance Transfer Intro Rate: N/A
  • Balance Transfer Rate: 13.9%* (Variable)
  • Cash Advance Rate: 24.9%* (Variable)
  • Late Fee: Up to $39
  • Cash advance Fee: 3% or Min: $10
  • Balance Transfer Fee: N/A
  • Cash Advance Minimum: N/A
  • Balance Transfer Minimum: N/A
  • Credit Profile: Excellent Credit Score

Spark Cash Business Credit Card Review

The Capital One Spark Cash Business Credit Card is the most basic member of the Spark family of business credit cards - and that's a good thing.  Most business credit cards offer rewards systems based around rotating categories, certain business oriented purchases, or travel - but the Spark Cash business credit card offers  a simple flat rate 2% back on all purchases, by far the highest percentage cash back in the category.  Additionally, the rewards are uncapped - which is almost unheard of in business cards.  This fantastic benefit does come with a price however - after the first year, this credit card has a $59 annual fee.

Like all Spark cards, it also comes with significant business credit card benefits, like free additional cards for employees, no foreign transaction fees, downloadable purchase records, and online services access. The Spark Cash Business credit card is the best option for small business owners who aren't positive what their employees will be using the card for, and don't think they'll be using it for the categories in which Spark offers more aggressive rewards (for instance, if you plan on using the card to accrue travel points check out the Spark Miles Business Credit Card). Additionally, because of the Annual Fee, we would only recommend this card to those who plan on spending a significant amount over the course of a year - otherwise, be sure to look at the no-annual-fee Spark Cash Select Business Credit Card).