Capital One Spark Cash
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferBenefits and fees last verified May 2026against the issuer's published terms.
Earning Rates
Important considerations
- High spend to earn the bonus
You must spend $10,000 within 3 months to earn the welcome bonus, which can be a stretch for lighter spenders.
Based on this card's terms last verified May 2026.
Earning rates
5- 1.5%
Product identity: this slug `capital-one-spark-cash` corresponds to Capital One's `Spark Cash` (the 2% unlimited cash-back business credit card), NOT the lower-tier `Spark Cash Select` (1.5% cash back) and NOT the higher-tier `Spark Cash Plus` charge card. Capital One's current small-business lineup, surfaced on the Spark Cash issuer page, is `Spark 2% Cash` / `Spark 2% Cash Plus` / `Spark 1.5% Cash Select` / `Spark 1% Classic`. The user-supplied brief labelled this card 'Spark Cash Select'; that label conflicts with both the slug and the page actually fetched; the rest of this file documents Spark Cash (2%) as the canonical product for this slug
- 2%
Earn unlimited 2% cash back for your business on every purchase, everywhere, with no limits, no caps, and no category restrictions (issuer page 'Unlimited rewards' module, 'Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions')
- 5%lodging
Earn unlimited 5% cash back on hotels booked through Capital One Business Travel (issuer page 'Travel rewards' module)
- 5%lodging
Earn unlimited 5% cash back on rental cars booked through Capital One Business Travel (issuer page 'Travel rewards' module)
- 2%lodging
Free employee cards for your team, with each employee card earning the same unlimited 2% cash back on every purchase (and 5% on Capital One Business Travel hotels and rental cars) back to the business owner's account (issuer page 'Business-Grade Capabilities' module)
Transfer partners
1Statement credits
1- Redemption options
Redemption options: statement credit, check, or to cover a Capital One Travel booking, with no minimum (standard Capital One Spark cash-back program terms; corroborated by OneMileAtATime's Capital One Spark Cash review)
Perks & memberships
4- Points longevityCash back never expires for the life of the account and can be redeemed for any amount at any time with no minimum redemption threshold (standard Capital One Spark cash-back program terms; corroborated by OneMileAtATime's Capital One Spark Cash review)
- Authorized usersFree virtual cards in addition to physical employee cards, supporting online-only purchases and team spending controls (issuer page 'Business-Grade Capabilities' module)
- No foreign feesNo foreign transaction fees on purchases made outside the United States, a standard Capital One credit-card feature applied across the Spark line, corroborated by NerdWallet's and OneMileAtATime's Spark Cash coverage
- Card networkNetwork: Visa Signature Business (Capital One issues Spark Cash on Visa Signature Business). Visa Signature Business includes Visa's standard suite of card-network benefits, note that Capital One generally does not market network-side perks heavily on the issuer page, so the practical cardholder benefits emphasised by Capital One are the cash-back rewards plus Spark business tools rather than the Visa Signature feature list
Travel & purchase protections
2- Auto Rental Collision Damage Waiver: per Capital One's Spark business benefits, the auto rental collision damage waiver coverage applies when you use your covered card to secure the rental and decline the rental company's CDW (issuer page footnote 4 references the Guide to Benefits for further details). Industry coverage (NerdWallet, OMAAT) describes Capital One Spark business auto rental coverage as secondary in the United States, the user-supplied brief asked to verify primary CDW; per current third-party reviews this is best treated as secondary, not primary, unless your specific Guide to Benefits states otherwise
- Spark business cards include Capital One's standard fraud-coverage protections (zero liability for unauthorised charges) and card-lock controls through the Capital One mobile app, standard Capital One Spark feature set surfaced across the Capital One Business credit-card ecosystem
More benefits & fine print (7)ShowHide
- Rewards and benefits may vary between Capital One Travel and Capital One Business Travel, the 5% category specifically requires booking on Capital One Business Travel, per issuer page footnote 2
- Vendor payments: Capital One markets that Spark Cash lets you 'pay your vendors with ease' alongside its employee/virtual card capabilities (issuer page 'Business-Grade Capabilities' module)
- Card-secured benefits require you to use your covered Spark Cash card to pay for the transaction, with certain terms, conditions, and exclusions applying, refer to your Capital One Guide to Benefits for the specific list of covered benefits and dollar limits applicable to your card (issuer page footnote 4)
- Pre-approval is available with no impact to your personal credit score via Capital One's 'See if I'm pre-approved' flow (Capital One's standard small-business credit-card pre-approval offering, surfaced on the Spark issuer ecosystem)
- Credit level required: Excellent (issuer page hero module, 'Credit Level: Excellent')
- Personal-guarantee structure: like other Capital One Spark business cards, Spark Cash applications are personally guaranteed by the business owner. Capital One Spark business cards generally report to personal credit only on default (not month-to-month utilisation), per OMAAT's Spark Cash review; this matters when balancing personal credit utilisation against business spend
- Cross-product eligibility caveat (Capital One Business charge-card limit): Capital One only allows one business charge card per primary cardholder (charge cards being Spark Cash Plus / Venture X Business), but Spark Cash is a credit card, not a charge card. Spark Cash does not trigger the single-charge-card-per-customer rule. This makes Spark Cash compatible with holding e.g. Venture X Business as your business charge card
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
How we verified this card (2 sources)ShowHide
Spotted something off? Report an issue. Read our verification methodology.
How to Earn the Bonus
Spend $10,000 in the first 3 months to earn the $1,000 cash bonus bonus.
See the Current Offer
Earn $1,000 cash bonus
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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