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$95
Annual Fee
5X
Top Rate
Annual Fee
$95
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Cash
Credit Required
Fair to Excellent
Benefits & Perks
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $10/mo Instacart+ | — | Delivery | — | |
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $3/mo Peacock | — | Streaming | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #18 of 119 |
This card offers a sizable cash-back welcome bonus, but it's best suited if you have another eligible miles-earning card to convert rewards into transferable points. Otherwise, consider alternatives offering stronger travel perks or flexibility.
The Capital One Spark Cash Business card offers the highest sign-up bonus of the six Spark business cards. This spending requirement is relatively high compared to many other welcome offers. Generally, we don't recommend cash-back cards, as the true value in earning rewards comes from transferring your points or miles to airline and hotel partners. Although this card offers only cash back rewards, you can convert the cash back into miles if you also have an eligible miles-earning Capital One card. Examples of eligible cards include the Spark Business Miles cards, Venture X personal or business cards, or Venture Rewards personal card. If you don't already have one of these cards, we recommend skipping the this card. Without the ability to convert cash back to miles for travel redemptions, the reward value isn't worth the high spending requirement.
Details & Terms
| Rule | Details |
|---|---|
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Cap One 1/6 | You won’t be approved for a second Capital One card if you’ve opened one in the past six months |
| Purchase APR | 17.24%–25.24% (Variable) |
| Cash Advance APR | —% (Variable) |
| Foreign Transaction Fee | $0 |
Capital One Spark Cash family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Capital One Spark Miles Business |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
$95
Annual Fee
5X
Top Rate
Annual Fee
$95
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Cash
Credit Required
Fair to Excellent
Benefits & Perks
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $10/mo Instacart+ | — | Delivery | — | |
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $3/mo Peacock | — | Streaming | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #18 of 119 |
This card offers a sizable cash-back welcome bonus, but it's best suited if you have another eligible miles-earning card to convert rewards into transferable points. Otherwise, consider alternatives offering stronger travel perks or flexibility.
The Capital One Spark Cash Business card offers the highest sign-up bonus of the six Spark business cards. This spending requirement is relatively high compared to many other welcome offers. Generally, we don't recommend cash-back cards, as the true value in earning rewards comes from transferring your points or miles to airline and hotel partners. Although this card offers only cash back rewards, you can convert the cash back into miles if you also have an eligible miles-earning Capital One card. Examples of eligible cards include the Spark Business Miles cards, Venture X personal or business cards, or Venture Rewards personal card. If you don't already have one of these cards, we recommend skipping the this card. Without the ability to convert cash back to miles for travel redemptions, the reward value isn't worth the high spending requirement.
Details & Terms
| Rule | Details |
|---|---|
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Cap One 1/6 | You won’t be approved for a second Capital One card if you’ve opened one in the past six months |
| Purchase APR | 17.24%–25.24% (Variable) |
| Cash Advance APR | —% (Variable) |
| Foreign Transaction Fee | $0 |
Capital One Spark Cash family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Capital One Spark Miles Business |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
$95
Annual Fee
5X
Top Rate
Annual Fee
$95
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Cash
Credit Required
Fair to Excellent
Benefits & Perks
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $10/mo Instacart+ | — | Delivery | — | |
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $3/mo Peacock | — | Streaming | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #18 of 119 |
This card offers a sizable cash-back welcome bonus, but it's best suited if you have another eligible miles-earning card to convert rewards into transferable points. Otherwise, consider alternatives offering stronger travel perks or flexibility.
The Capital One Spark Cash Business card offers the highest sign-up bonus of the six Spark business cards. This spending requirement is relatively high compared to many other welcome offers. Generally, we don't recommend cash-back cards, as the true value in earning rewards comes from transferring your points or miles to airline and hotel partners. Although this card offers only cash back rewards, you can convert the cash back into miles if you also have an eligible miles-earning Capital One card. Examples of eligible cards include the Spark Business Miles cards, Venture X personal or business cards, or Venture Rewards personal card. If you don't already have one of these cards, we recommend skipping the this card. Without the ability to convert cash back to miles for travel redemptions, the reward value isn't worth the high spending requirement.
Details & Terms
| Rule | Details |
|---|---|
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Cap One 1/6 | You won’t be approved for a second Capital One card if you’ve opened one in the past six months |
| Purchase APR | 17.24%–25.24% (Variable) |
| Cash Advance APR | —% (Variable) |
| Foreign Transaction Fee | $0 |
Capital One Spark Cash family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Capital One Spark Miles Business |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Get free additional warranty and protection on eligible items that you purchase with your card.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
You earn 2% cash back on all purchases, everywhere, with no spending limits or category restrictions. This straightforward earning structure complements the **welcome offer of $750 cash back** after spending $7,500 in the first 3 months. This card suits businesses looking for simplicity in earning rewards, without the hassle of tracking bonus categories. However, you'll maximize your rewards only if you have an eligible Capital One miles-earning card to convert cash back into transferable miles.
The card has a **$95 annual fee**, but it is waived for the first year, adding extra value during that initial period. Additionally, since this is a business card, it does not count against Chase's 5/24 rule, which is another advantage. Outside of the initial sign-up bonus and waived first-year annual fee, there are no significant additional benefits. If you choose this card primarily for the welcome offer, you may want to cancel before paying the annual fee in the second year.
This card might not be good for you:
- If your priority is maximizing business spending with another business card offering better bonuses, benefits, or perks.
- If you prefer earning points over cash back and don't have an eligible Capital One miles-earning card to convert cash back into transferable miles.
**Capital One is a flexible point system we use for travel items that other systems don't cover**
- Partner transfers are niche airlines and hotel brands, making the points more difficult to maximize
- Using an award search tool such as [PointsYeah](https://www.pointsyeah.com/?linkId=lp_919533&sourceId=pointsnav&tenantId=pointsyeah) makes finding flights with those airlines more realistic
- Simple redemptions for erasing travel can be useful for cruises & rental cars (at 1¢/point so value isn’t maximized)
- Capital One is particularly attractive to businesses with large spending
With six Capital One Spark business cards available, comparing them can be confusing. Here’s a simplified breakdown:
The **Spark 2% Cash** card offers a $750 welcome bonus, whereas the **Spark 2X Miles** card offers 50,000 points. That’s a difference of 25,000 points (equivalent to $250). The spending requirement also differs significantly. To earn the Spark 2% Cash card’s bonus, you must spend $7,500 in 3 months, while the Spark 2X Miles card requires only $4,500 spent in the same timeframe. The extra $3,000 spending difference could potentially earn you another card’s welcome bonus, so factor this into your decision. Both cards have a $95 annual fee that is waived during the first year.
The **Spark 1.5X Miles Select** and **Spark 1.5% Cash Select** cards offer identical welcome bonuses: 50,000 miles or $500 cash back. Both cards have a spending multiplier of 1.5% and no annual fee.
The **Spark 1% Classic** card offers no welcome bonus, earns just 1% cash back on all spending, and has no annual fee. This card is generally not recommended due to its low earning rate and lack of bonus.
Two outliers exist among Capital One business cards: the Spark 2% Cash Plus card and the Venture X Business card.
- The **Spark 2% Cash Plus** card offers a substantial $2,000 cash back bonus after spending $30,000 within the first year. Additionally, it provides another $2,000 cash back for every additional $500,000 spent within that first year.
- The **Capital One Venture X Business** card offers a high-value bonus of 150,000 points but has the same $30,000 spending requirement. The Venture X Business card also includes added perks like airport lounge access and travel credits.
If you want a higher-end business card beyond the standard Spark offerings, compare the Venture X Business card and the Spark Cash Plus card to determine which aligns best with your business needs.
| mid |
| — |
| Capital One Spark Cash Select | mid | — |
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Get free additional warranty and protection on eligible items that you purchase with your card.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
You earn 2% cash back on all purchases, everywhere, with no spending limits or category restrictions. This straightforward earning structure complements the **welcome offer of $750 cash back** after spending $7,500 in the first 3 months. This card suits businesses looking for simplicity in earning rewards, without the hassle of tracking bonus categories. However, you'll maximize your rewards only if you have an eligible Capital One miles-earning card to convert cash back into transferable miles.
The card has a **$95 annual fee**, but it is waived for the first year, adding extra value during that initial period. Additionally, since this is a business card, it does not count against Chase's 5/24 rule, which is another advantage. Outside of the initial sign-up bonus and waived first-year annual fee, there are no significant additional benefits. If you choose this card primarily for the welcome offer, you may want to cancel before paying the annual fee in the second year.
This card might not be good for you:
- If your priority is maximizing business spending with another business card offering better bonuses, benefits, or perks.
- If you prefer earning points over cash back and don't have an eligible Capital One miles-earning card to convert cash back into transferable miles.
**Capital One is a flexible point system we use for travel items that other systems don't cover**
- Partner transfers are niche airlines and hotel brands, making the points more difficult to maximize
- Using an award search tool such as [PointsYeah](https://www.pointsyeah.com/?linkId=lp_919533&sourceId=pointsnav&tenantId=pointsyeah) makes finding flights with those airlines more realistic
- Simple redemptions for erasing travel can be useful for cruises & rental cars (at 1¢/point so value isn’t maximized)
- Capital One is particularly attractive to businesses with large spending
With six Capital One Spark business cards available, comparing them can be confusing. Here’s a simplified breakdown:
The **Spark 2% Cash** card offers a $750 welcome bonus, whereas the **Spark 2X Miles** card offers 50,000 points. That’s a difference of 25,000 points (equivalent to $250). The spending requirement also differs significantly. To earn the Spark 2% Cash card’s bonus, you must spend $7,500 in 3 months, while the Spark 2X Miles card requires only $4,500 spent in the same timeframe. The extra $3,000 spending difference could potentially earn you another card’s welcome bonus, so factor this into your decision. Both cards have a $95 annual fee that is waived during the first year.
The **Spark 1.5X Miles Select** and **Spark 1.5% Cash Select** cards offer identical welcome bonuses: 50,000 miles or $500 cash back. Both cards have a spending multiplier of 1.5% and no annual fee.
The **Spark 1% Classic** card offers no welcome bonus, earns just 1% cash back on all spending, and has no annual fee. This card is generally not recommended due to its low earning rate and lack of bonus.
Two outliers exist among Capital One business cards: the Spark 2% Cash Plus card and the Venture X Business card.
- The **Spark 2% Cash Plus** card offers a substantial $2,000 cash back bonus after spending $30,000 within the first year. Additionally, it provides another $2,000 cash back for every additional $500,000 spent within that first year.
- The **Capital One Venture X Business** card offers a high-value bonus of 150,000 points but has the same $30,000 spending requirement. The Venture X Business card also includes added perks like airport lounge access and travel credits.
If you want a higher-end business card beyond the standard Spark offerings, compare the Venture X Business card and the Spark Cash Plus card to determine which aligns best with your business needs.
| mid |
| — |
| Capital One Spark Cash Select | mid | — |
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Get free additional warranty and protection on eligible items that you purchase with your card.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
You earn 2% cash back on all purchases, everywhere, with no spending limits or category restrictions. This straightforward earning structure complements the **welcome offer of $750 cash back** after spending $7,500 in the first 3 months. This card suits businesses looking for simplicity in earning rewards, without the hassle of tracking bonus categories. However, you'll maximize your rewards only if you have an eligible Capital One miles-earning card to convert cash back into transferable miles.
The card has a **$95 annual fee**, but it is waived for the first year, adding extra value during that initial period. Additionally, since this is a business card, it does not count against Chase's 5/24 rule, which is another advantage. Outside of the initial sign-up bonus and waived first-year annual fee, there are no significant additional benefits. If you choose this card primarily for the welcome offer, you may want to cancel before paying the annual fee in the second year.
This card might not be good for you:
- If your priority is maximizing business spending with another business card offering better bonuses, benefits, or perks.
- If you prefer earning points over cash back and don't have an eligible Capital One miles-earning card to convert cash back into transferable miles.
**Capital One is a flexible point system we use for travel items that other systems don't cover**
- Partner transfers are niche airlines and hotel brands, making the points more difficult to maximize
- Using an award search tool such as [PointsYeah](https://www.pointsyeah.com/?linkId=lp_919533&sourceId=pointsnav&tenantId=pointsyeah) makes finding flights with those airlines more realistic
- Simple redemptions for erasing travel can be useful for cruises & rental cars (at 1¢/point so value isn’t maximized)
- Capital One is particularly attractive to businesses with large spending
With six Capital One Spark business cards available, comparing them can be confusing. Here’s a simplified breakdown:
The **Spark 2% Cash** card offers a $750 welcome bonus, whereas the **Spark 2X Miles** card offers 50,000 points. That’s a difference of 25,000 points (equivalent to $250). The spending requirement also differs significantly. To earn the Spark 2% Cash card’s bonus, you must spend $7,500 in 3 months, while the Spark 2X Miles card requires only $4,500 spent in the same timeframe. The extra $3,000 spending difference could potentially earn you another card’s welcome bonus, so factor this into your decision. Both cards have a $95 annual fee that is waived during the first year.
The **Spark 1.5X Miles Select** and **Spark 1.5% Cash Select** cards offer identical welcome bonuses: 50,000 miles or $500 cash back. Both cards have a spending multiplier of 1.5% and no annual fee.
The **Spark 1% Classic** card offers no welcome bonus, earns just 1% cash back on all spending, and has no annual fee. This card is generally not recommended due to its low earning rate and lack of bonus.
Two outliers exist among Capital One business cards: the Spark 2% Cash Plus card and the Venture X Business card.
- The **Spark 2% Cash Plus** card offers a substantial $2,000 cash back bonus after spending $30,000 within the first year. Additionally, it provides another $2,000 cash back for every additional $500,000 spent within that first year.
- The **Capital One Venture X Business** card offers a high-value bonus of 150,000 points but has the same $30,000 spending requirement. The Venture X Business card also includes added perks like airport lounge access and travel credits.
If you want a higher-end business card beyond the standard Spark offerings, compare the Venture X Business card and the Spark Cash Plus card to determine which aligns best with your business needs.
| mid |
| — |
| Capital One Spark Cash Select | mid | — |
