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Capital One Spark Cash Business Credit Card Review: Straightforward Cash Back for Busy Business Owners

Review Updated
Brooklyn Sprunger
Author: Brooklyn Sprunger
Brooklyn Sprunger
Brooklyn Sprunger
Content Manager

Brooklyn leads the content team behind product reviews and ratings at Motley Fool Money, ensuring readers get well-researched, expert-backed insights to make smarter financial decisions. With nearly seven years working full-time in financial content -- four of them at The Motley Fool -- she has developed a deep passion for personal finance, from investing strategies to everyday money management.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.

Business owners don't have time for anything that doesn't boost the bottom line. The Capital One Spark Cash (see rates and fees) business credit card can do just that: it turns every purchase into cash back, from everyday office supplies to travel expenses, helping your business earn while you spend.

With unlimited 2% cash back on every purchase, plus a generous welcome bonus, it's a straightforward way to put money back into your business without the hassle.

Ratings Methodology

Capital One Spark Cash

Great for: Cash Back on Everyday Business Expenses

Apply Now for Capital One Spark Cash

On Capital One's Secure Website.

Rates & Fees External Link Icon

Capital One Spark Cash
4.70/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.70/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Apply Now for Capital One Spark Cash

On Capital One's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Excellent (740-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

25.24% (Variable)

Rewards Circle with letter I in it. Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions

2% cash back

Annual Fee

$0 intro for first year; $95 after that

Welcome Offer Circle with letter I in it. Earn $1,000 Cash Back once you spend $10,000 in the first 3 months from account opening

Earn $1,000 Cash Back

  • This card is made for business owners who want cash back – plain and simple. With unlimited 2% cash back on every purchase, there are no rotating categories, no limits, and rewards won't expire for the life of the account. Add in a $1,000 cash back welcome offer and a $0 annual fee the first year ($95 after), and you’ve got a straightforward, high-earning card that turns everyday business spending into real cash rewards.

    • Big sign-up bonus 
    • Unlimited 2% cash back
    • No foreign transaction fees
    • Annual fee after the first year 
    • No intro APR offer
    • Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening
    • For businesses that want to earn 2% cash back on all purchases with the familiarity of a traditional credit line
    • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
    • $0 annual fee for the first year; $95 after that
    • Free employee cards, which also earn unlimited 2% cash back on all purchases
    • Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
    • No foreign transaction fees

Our business card ratings are designed to help owners and entrepreneurs find cards that match the way they spend – and scale. We consider earning structures, welcome offers, perks, and business-specific benefits like employee controls or loyalty boosts.

Our highest-rated business cards have:

  • Strong earning potential across everyday or business-specific categories (travel, advertising, office supplies)
  • Transferable rewards programs for added flexibility
  • Welcome offers with meaningful upfront value
  • Valuable extras like employee cards, accounting software integrations, or airline lounge access
  • Low-to-moderate annual fees

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best business credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

Our business card ratings are designed to help owners and entrepreneurs find cards that match the way they spend – and scale. We consider earning structures, welcome offers, perks, and business-specific benefits like employee controls or loyalty boosts.

Our highest-rated business cards have:

  • Strong earning potential across everyday or business-specific categories (travel, advertising, office supplies)
  • Transferable rewards programs for added flexibility
  • Welcome offers with meaningful upfront value
  • Valuable extras like employee cards, accounting software integrations, or airline lounge access
  • Low-to-moderate annual fees

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best business credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

What I like about the Capital One Spark Cash

Big welcome bonus

The $1,000 cash back welcome bonus after spending $10,000 in the first 3 months is one of the biggest draws.

Meeting the initial spending requirement gives your cash back balance a strong jumpstart, which can offset the card's annual fee in year two. It's a quick way to earn extra money for your business without having to change your spending habits.

Unlimited 2% cash back

Unlike some cards that restrict rewards to certain categories or have caps, this card gives you 2% cash back on every purchase.

Rewards never expire for the life of the account, making it easy to save and use when it makes sense for your business.

No foreign transaction fee

If your business ever takes you abroad, you won't pay extra for swiping your card. That's a small but meaningful benefit that makes the card more flexible for international travel.

Downsides you should consider

Annual fee after the first year

When it comes to the annual fee, this card has a $0 intro for first year; $95 after that (see rates and fees), which could matter if your business spending is low or if you're comparing other cash back business cards with no ongoing fees. For most businesses, this won't be a dealbreaker, but something to be aware of.

No introductory APR

This card doesn't offer a 0% intro APR for purchases or balance transfers. That's not unusual for business cards, but if you plan to carry a balance after the statement due date, you'll start paying interest immediately. This card is all about earning rewards, not carrying a balance.

Requires excellent credit

Like many top business cards, the Capital One Spark Cash requires excellent credit. Even if your business finances are solid, a lower credit score can make approval difficult.

Our Top Business Credit Card Alternate Options

We suggest taking a good look at various options to pick the perfect card for you and your small business. Remember, not all business credit cards are created equal, and every business has unique needs. To help you out, we've put together a short list of top-notch business credit cards that offer great value across a variety of business types.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
4.90/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Earn up to $750 bonus cash back Circle with letter I in it. Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. Earn 5% cash back in select business categories Circle with letter I in it. Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

Intro: Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular: 17.49% - 25.49% Variable

Apply Now for Ink Business Cash® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Earn $750 bonus cash back Circle with letter I in it. Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Earn unlimited 1.5% cash back on every purchase Circle with letter I in it. Earn unlimited 1.5% cash back on every purchase made for your business

Intro: Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular: 17.49% - 23.49% Variable

Apply Now for Ink Business Unlimited® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

4.90/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
150,000 Miles (worth $1,500 in travel) Circle with letter I in it. 150,000 Miles once you spend $30,000 in the first 3 months from account opening 2X-10X miles Circle with letter I in it. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions. Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One's travel booking site

Intro:

Purchases: N/A

Balance Transfers: N/A

Regular: N/A

Apply Now for Capital One Venture X Business

On Capital One's Secure Website.

Rates & Fees External Link Icon

Is it worth the annual fee?

If your business spending is consistent, the moderate annual fee after year one ($0 intro for first year; $95 after that, see rates and fees) is totally manageable. The $1,000 welcome bonus once you spend $10,000 in the first 3 months from account opening alone more than makes up for that fee several times over, and the unlimited 2% cash back on every purchase continues to generate real value as you spend. For businesses looking to maximize rewards without overcomplicating things, it's worth it.

Final thoughts

For business owners who want cash back without the hassle, the Capital One Spark Cash business credit card is a strong, simple choice. Unlimited rewards, a generous welcome bonus, and no foreign transaction fees make it easy to earn cash back on your everyday business spending.

Ready to earn cash back for your business? Apply for the Capital One Spark Cash business credit card today.

FAQs

  • Business owners who want a simple, high-earning cash back card without managing rotating categories or points programs.

  • Rewards are earned on every purchase and can be redeemed for cash, making it easy to put money back into your business.

  • Compared to other Spark business cards, the Capital One Spark Cash focuses on simple, unlimited cash back, while cards like Capital One Spark Miles for Business (see rates and fees) earn travel rewards or offer bonus categories for specific spending.