Capital One® Spark® Cash for Business

Note: Capital One is a Frequent Miler advertiser. Please see our Advertiser Disclosure.

Capital One Spark Cash Business Credit Card

$500 Cash back
Earn a one-time bonus: $500 after $4.5K spend in 3 months
Click Here to Apply

No Annual Fee First Year, Then $95

Note: Most Capital One Business cards count against Chase's 5/24 Rule, but this one DOES NOT

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: Up to $2,000 Cash Back: Earn a one time bonus: $500 after $5K spend in 3 months from account opening and earn an additional $1,500 when you spend $50K in the first 6 months of account opening [Expired 1/27/20]

FM Mini Review: Many cards offer unlimited 2% cash back, but this is the only business card I know of that does so. This is a good option for business owners who prefer simple cash back rewards.

Card Type: Visa Signature

Base

Earning rate: 2% everywhere

Noteworthy perks: No foreign transaction fees

Overview

It's rare to find a business rewards card with great rewards for all spend. This one offers 2% cash back everywhere and a great welcome offer.

Additional benefits of this card include no foreign transaction fees, travel and emergency assistance services, purchase protections, and more.

Overall, this is an excellent choice both for its intro bonus and rewards for spend.

Application Tips

Capital One Application Tips

6 month rule: Must wait 6 months after applying for a Capital One card before applying for another one.

2 card limit: Conventional wisdom and user experience has been that you can have at most 2 Capital One consumer cards, but according to application terms it may be possible to have up to 5. You may be limited to 2 of their rewards cards. Note that this limit does not apply to Capital One co-branded cards like the Kohl's charge card.