1. Capital One® Spark® Cash for Business

The Capital One® Spark® Cash for Business card comes with a variety of card features and benefits, such as quarterly and yearly summaries, simple accounting, and access to customer service representatives seven days a week. The card also comes with Visa Business benefits, including emergency card replacement, auto rental damage waiver, and purchase security and extended protection.

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The Good

  • New Cardmember Offer
  • Rewards Rates
  • Low Annual Fee
  • Free Employee Cards
  • Fraud Coverage and Alerts
  • No Foreign Transaction Fees

New Cardmember Offer

With the Capital One Spark Cash for Business card, cardholders can earn a one-time $500 cash bonus when they spend $4,500 on purchases within the first three months of opening an account.

Rewards Rate

The Capital One Spark Cash for Business credit card allows cardholders to get unlimited 2 percent on every purchase. Rewards don't expire for the life of the account, and cardholders can redeem their cash back at any time for any amount with no minimums.

Low Annual Fee

The annual fee for the Capital One Spark Cash for Business card is $0 for the first year, and $95 per year after that, which is relatively low compared to annual fees attached to many other business credit cards.

Free Employee Cards

Capital One Spark Cash for Business cardholders can add employee cards for free and earn unlimited 2 percent cash back on all purchases made on employee cards.

Fraud Coverage and Alerts

With the Capital One Spark Cash for Business card, cardholders will receive real-time alerts of fraud attempts via text, email, or phone that can be responded to instantly. If the card is ever lost or stolen, cardholders are protected under a $0 Fraud Liability policy.

No Foreign Transaction Fees

There are no foreign transaction fees attached to the Capital One Spark Cash for Business card, which means that cardholders are free to make purchases in other countries without having to pay an additional fee.

The Bad

  • No Introductory APR
  • Late Payment Fees

No Introductory APR

Although the Capital One Spark Cash for Business card waives the annual fee in the first year, the card does not offer a lower introductory APR for a period after opening an account. 

Late Payment Fees

Capital One Spark Cash for Business cardholders are subject to a late payment fee of up to $39.

The Bottom Line

The Capital One Spark Cash for Business credit card offers a number of attractive features for small business owners, including a $500 cash bonus sign-up offer, unlimited 2 percent cash back on all purchases, free employee cards, and low annual fees. However, the company does not offer an introductory APR.

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