Business Card

Spark Cash

Credit Level: Excellent
Earn unlimited 2% cash back on every purchase. Plus, earn a $750 cash bonus when you spend $7,500 in the first 3 months.
Rates & FeesRates & Fees Information
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  • 2%
    Unlimited rewards

    Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.

  • $750
    Cash bonus

    Earn a one-time $750 cash bonus once you spend $7,500 on purchases within the first 3 months from account opening 1

  • $0
    Intro annual fee

    Enjoy a $0 annual fee for the first year, and then $95 after that

  • Travel rewards

    Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

  • Business-Grade Capabilities

    Empower your team to make purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, pay your vendors with ease.

  • Purchase rate

    26.24% variable APR.

Rewards Calculator

Slide to your monthly spend to see how much you could earn 2
See how much your business can earn 2
See how much you could earn based on your monthly spending 2
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Your business could earn: $0 cash back annually

BENEFITS OF SPARK 2% CASH 3

Automatic Payments

Set up AutoPay so you don’t have to worry about signing into your account every month. 

$0 Fraud Liability

If your card is lost or stolen, you can get an emergency replacement and a cash advance.

Year-End Summaries

Get an itemized report of your spending to simplify budgeting and tax time.

Account Managers

Assign an account manager to make purchases and payments, review transactions and resolve any problems.

Purchase Records

Quickly and securely download your purchase records into multiple formats including Quicken®, QuickBooks® and Excel®.

Virtual Card Numbers

Make safer payments online without exposing your actual card number with merchants.

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Application Requirements

What to know for your application

10 MINUTE APPLICATION

It takes about 10 minutes to apply and you'll get a decision in seconds.

BUSINESS OWNER INFORMATION

You'll need to know legal names, addresses and SSNs for all business owners.

BUSINESS INFORMATION

Gather your legal business name, address and business tax ID number (TIN). 
Apply for Spark 2% Cash
Rates and Fees Information

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Unlimited 2% cash back with spend capacity that adapts to your business.
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Unlimited 1.5% cash back with no annual fee.
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1

This bonus is available by clicking the “Apply Now” button on this page, and may not be available if you navigate away from or close this page. The bonus may not be available for existing or previous Capital One Business card holders.

2

The actual amount of cash back you can earn will depend on your credit limit and purchase activity.

3

Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered card to secure transactions. Please refer to your Guide to Benefits for further details.