Capital One Spark Cash

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Capital One Spark Cash

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  • Earn unlimited 2% cash back on purchases
  • Multiple introductory bonus offers
  • Rewards never expire

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  • Multiple introductory bonus offers
  • Rewards never expire
  • Get employee cards at no additional cost

Capital One Spark Cash Card Summary

The Capital One Spark Cash card is one of those credit cards that can appeal to just about any business owner. It contains multiple introductory bonuses, unlimited 2% cash back rewards on purchases, and the safety of knowing that your rewards will never expire. This type of credit is one that every business owner should consider.

  • Earn unlimited 2% cash back on purchases
  • Multiple introductory bonus offers
  • Rewards never expire

  • Annual fee

Best Features

There are multiple upsides to owning the Capital One Savor Spark Cash credit card. One of them is the chance to earn not one, but two introductory bonus offers. New cardholders will have the opportunity to receive a $500 cash bonus if they spend at least $5,000 within the first three months of their account opening, and an additional $1,500 if they end up spending at least $50,000 in the first six months. As a business owner, the $50,000 spending threshold is not entirely out of reach, and therefore it makes this credit card and enticing one.

The unlimited reward rate is a benefit that many will find it hard to beat, especially with a business credit card. Cardmembers will earn 2% cash back on all purchases made with this credit card. With no rotating categories to consider or tiered cashback rates, this type of function helps business owners relieve some stress knowing they don’t have to think about when they should use their credit card to make a purchase. Not to mention, there are no minimums regarding when you can redeem your rewards, and the rewards are unlimited.


One of the few drawbacks to owning the Capital One Spark Cash credit card is the annual fee. Initially, new customers may feel they are getting a great deal with the $0 price tag listed. However, that mindset will be quickly dashed when new customers soon recognize the $0 price tag is just for the first year and the fee jumps to $95 for every year after. It is almost always a negative to have an annual fee tied into the credit card, and while a one year delay eases some of that burden, the fee will still have to be paid none the less.

Overall Summary

The overall feeling about this credit card is that it is an excellent choice for a business owner looking for a cash back credit card. Business owners will find it challenging to get another credit card that will offer this type of reward rate on all purchase, and not to mention they can add employee cards for free while continuing to earn all the rewards from their purchases. In the long run, many cardholders will end up saving quite a bit of money by owning this card.

Who this card is best for

This credit card is best for someone who is a new business owner. The cash back opportunities make it ideal for any owner to earn rewards and save up enough before redeeming them to a value they desire. It helps even more when they can get employees to use their cards for purchases, thus helping them save even more money.


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