Capital One Spark Cash for Business

Capital One Spark Cash for Business
Issued by Capital One
Card Rating:4.10
Advertiser Disclosure
Annual Fee
$0 for 1st yr, $95 after
Regular APR
18.74% (V)

Additional Information

Balance Transfer Fee
0
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Late Payment Fee
$39
Returned Payment Fee
See Terms*
Cash Advance Rate
24.74% (V)
Cash Advance Fee
3% (min $10)
Foreign Transaction Fee
0
Smart Chip
Yes, chip-and-signature
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Sign-up Bonus

Plus, a one-time $500 cash bonus once you spend $4

Rewards

No Rewards..

Application Requirements

Minimum credit score
Fair
Minimum Age
18 years of age

Cons

["Has annual fee"]

How To Apply Capital One Spark Cash for Business

  • If you are keen to apply for the Capital One Spark Cash for Business, simply click on the "Apply Now" button below to be taken to the credit card official website to complete the credit card application form. Our website will not record any personal information about you, and the whole process will not affect your credit score.

  • To complete the form, you should enter your name, address, telephone number and email address in the application form. You may also need to list your annual income and monthly mortgage or rent.

  • The credit card also asks for your date of birth, social security number, mother's maiden name, and driver's license number as part of its credit check.

  • When you have completed the form, the application needs to be reviewed, and you will receive your Capital One Spark Cash for Business soon if your audit passes. 

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How To Use Capital One Spark Cash for Business


Where Can You Use

  • It can be used anywhere VISA is accepted.

Pay Your Bill On Time

  • You need to make on-time payments. A late payment could hurt the credit score or the limit of your credit card.

Something About The Card

  • Capital One doesn't charge foreign transaction fees on any of its credit cards, including business cards like this one.


Credit Card Reviews

22 Reviews
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Working card good rewards / not good for credit
by
John Russo
1 year ago
"

card works like a regular credit card, rewards are good love the cash back.But..... this card reports all balances day one to your personal credit. It hurt my personal credit score because my business carried a few thousand fallout balance for a while. Most business credit cards only report if delinquent this card reports even when it good standing. Not fair to the consumer. Will not us card anymore it will carry zero balance. Go with chase ink or m&t new credit card they are great!

"
Cashback is great
by
Anonymous
1 year ago
"

I love the cash I get back. If you pay off the balance every month, you don't pay interest, so the only way I would not want this card is if there wasn't sufficient cash flow to pay off the balance every month.I had no problems activating the card. Occasionally, I get an email asking if my transaction was fraudulent or a duplicate. I just tell them it's ok and move on with business. With all the fraud going on, I'm glad they look out for my business in this way. If I need cash, I keep in mind that there is a significant fee to pay and that I need to go to a Chase Bank. I love this card for the cash. Pure and simple.

"
by
RECOMMEND7
1 year ago
"I COMPARED ALL POSSIBLE BUSINESS CARDS FOR CASH BACK AND THIS IS THE BEST, INITIAL 500$ BONUS IS GREAT. 2% CASH BACK IS ALOT BETTER THAN WHAT AMEX OFFERS 1-5% and THE 5% IS ONLY ON OFFICE SUPPLIES, HOW MUCH DO YOU REALLY GOING TO SPEND ON OFFICE SUPPLIES, ALSO EVERYTHING WHAT YOU CAN BUY IN STAPLES YOU CAN GET IT IN WALMART OR AMAZON FOR LESS THAN HALF PRICE SO THAT 5% CASHBACK IS WORTHLESS. PLEASE DO YOUR RESEARCH BUT DEFINITELY CONSIDER LOOKING INYO THIS CARD. ALSO CUSTOMER SERVICE IS GREAT COMPARED TO INDIAN SPEAKING AMEX CUSTOMER SERVICE WHERE YOU CANNOT UNDERSTAND EACH OTHER. DONT GET ME WRONG I LOVE MY BLUE AMEX FOR 3% CASHBACK FOR FOOD BUT I HATE THAT THEY DO NOT HAVE ANYONE IN CUSTOMER SERVICE WHO SPEAKS PROPER ENGLISH."
by
whatascam
1 year ago
"Outstanding card.. we bill over $150,000 per year on this card.. never had any problems.. card rep actually came to one of our job sites to get an idea on how to help us grow..."
by
maxmv1
1 year ago
"bank closed the account without explaining a reason. "
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