Spark Cash

To apply for the Spark Cash credit card, you must be an authorized representative for your business. You’ll need to provide personal and business details to verify your identity and establish creditworthiness. Your application may be declined if you have a freeze with credit bureaus. 

Personal information includes:

• Full legal name
• Personal contact information
• Social Security number
• Monthly rent or mortgage payment

Business information includes:

• Tax ID or Employer ID number (EIN), or an SSN for sole proprietorships
• Annual revenue 
• Monthly business spend
• Names and information of other Beneficial Owners or Controllers

The benefits of a Spark Cash credit card range from unlimited 2% cash rewards to travel perks through Capital One Business Travel. The Spark Cash card helps to simplify your business expenses while maximizing your return on spend. Benefits Include:

• An early spend bonus you earn when you spend a certain amount in the first few months after opening your account
• An introductory $0 annual fee—and $95 after that
• Access to our integrated Expense Management and Accounts Payable software
• Access to Capital One Business Travel to book and manage your company’s travel
• Fraud protection, alerts and extended warranties on eligible items
• Earn unlimited 2% cash back on every purchase with no limits or expiration dates
• Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Business Travel

Redeeming the cash you earn with your Spark Cash card is easy. Sign in to your Capital One Business account and navigate to the View rewards section. You’ll see different ways you can redeem your cash back, such as through a statement credit or check.

Spark Cash credit card holders typically have an excellent personal credit score, but there are multiple factors that are considered for approval. You can see if you’re pre-approved for this card and others with no impact to your personal credit score.