Capital One Spark Cash For Business Review With Pro And Cons – 19 Points

1. Capital one spark cash for business card offers unlimited 2% cash back on everything. This is one of the highest flat reward rates. This card is a good choice for business owners who want to keep things simple. If you spend high enough to justify the annual fee, this card is a great choice.

2. Reward Rate:

2% cash back on all purchases

3. Sign Up Bonus:

Earn $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.

4. Annual Fee:

$95 ($0 for first year)

5. Regular Apr:

19.24% Variable APR

6. Intro Apr:


7. Foreign Transaction Fee:


8. Pros:

Big initial bonus
Simple high reward rate
No foreign transaction fee
First year annual fee waived
Free Employee card

9. Cons:

No bonus categories
High apr
Annual fee
Good credit required

10. Credit Needed:

690 – 850 Good to excellent

11. Balance Transfer Fee:


12. Max Late fee:


13. Cash Advance Apr:


14. Cash Advance Fee:

3% Min $10

15. Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount.

16. Other Benefits:

Free employee cards
Extended warranty protection
Auto Rental Collision Damage Waiver
Travel and emergency assistance
Price protection
Lost luggage reimbursement
Travel accident insurance
Visa Signature Concierge

17. Customer Experience:

24/7 customer service?: Yes
Online chat available?: Yes
Google Play Store mobile app rating: 4.7/5
Apple Store mobile app rating: 4.6/5

18. Why You Should Not Get This Card:

If you do not like annual fee.
If you want bonus categories and want to maximise rewards.
If you carry a balance.
If you want to earn and transfer points.

19. Get Capital One Spark Cash For Business:

If you want simple generous rewards for everything.
If you want large sign up bonus.
If you want cash back over miles or points.
If you want employee cards with no fee.
If you are going to use card abroad.

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