{"id":225099,"date":"2025-09-17T17:00:31","date_gmt":"2025-09-17T17:00:31","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=225099\/"},"modified":"2025-10-01T17:26:27","modified_gmt":"2025-10-01T17:26:27","slug":"capital-one-spark-cash-review","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/spark-cash-card\/","title":{"rendered":"Capital One Spark Cash Review: $0 Introductory Annual Fee, Solid Rewards on Business Spending"},"content":{"rendered":"<p>Every small business has expenses, whether big or small. When you use the right credit card, those expenses could earn you cash back &#8212; essentially earning a discount on running your business. The <a data-ccid=\"5048373\" href=\"\/blog\/link\/CRCapOneSparkCash\" rel=\"noopener nofollow sponsored\">Capital One Spark Cash<\/a> is a low-annual fee product that's great for small businesses with low expenses.<\/p>\n<p>The card comes with a simple earning structure and access to the Capital One business suite of benefits. Keep reading to learn more about the Spark Cash.<\/p>\n<div class=\"qs-card\" data-id=\"5048373\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One Spark Cash<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/0a1a73c8-b137-4393-9ef9-2437b08b5b2b.png\" width=\"150\" alt=\"Capital One Spark Cash\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='Capital One Spark Cash' href=\"\/blog\/link\/CRCapOneSparkCash\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn $1,000 Cash Back once you spend $10,000 in the first 3 months from account opening<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One Spark Cash<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn $1,000 Cash Back once you spend $10,000 in the first 3 months from account opening<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0 intro for first year; $95 after that<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Capital One Spark Cash provides a strong return on business expenses of 2% on every $1 spent. Unlike many other cash back business cards, there is no cap on the cash back you can earn.<\/div><div class=\"qs-tab-hl\"><ul>\r\n         <li>Earn $1,000 Cash Back once you spend $10,000 in the first 3 months from account opening<\/li>\r\n         <li>2% cash back for your business on every purchase, everywhere<\/li>\r\n \t<li>No foreign transaction fees<\/li>\r\n \t<li>$0 intro for first year; $95 after that<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>2% Cash Back on every purchase<\/li>\r\n<li>5% Cash Back on hotels and rental cars booked through Capital One Business Travel<\/li>\r\n<\/ul> <\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SparkCash\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-69271f2c6#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Capital_One_Spark_Cash_Pros\">Capital One Spark Cash Pros<\/a><\/li><li><a href=\"#Capital_One_Spark_Cash_Cons\">Capital One Spark Cash Cons<\/a><\/li><li><a href=\"#Capital_One_Spark_Cash_Welcome_Offer\">Capital One Spark Cash Welcome Offer<\/a><\/li><li><a href=\"#Capital_One_Spark_Cash_Benefits\">Capital One Spark Cash Benefits<\/a><ul><li><a href=\"#No_annual_fee_for_the_first_year\">No annual fee for the first year<\/a><\/li><li><a href=\"#0_fraud_liability\">$0 fraud liability<\/a><\/li><li><a href=\"#Business_tools\">Business tools<\/a><\/li><\/ul><\/li><li><a href=\"#Capital_One_Spark_Cash_Earning_Rates\">Capital One Spark Cash Earning Rates<\/a><\/li><li><a href=\"#Redeeming_Rewards_With_the_Capital_One_Spark_Cash\">Redeeming Rewards With the Capital One Spark Cash<\/a><\/li><li><a href=\"#Application_Restrictions\">Application Restrictions<\/a><\/li><li><a href=\"#Cards_That_Compete_With_the_Capital_One_Spark_Cash\">Cards That Compete With the Capital One Spark Cash<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Capital_One_Spark_Cash_Pros\">Capital One Spark Cash Pros<\/span><\/h2>\n<ul>\n<li>Earn 2% Cash Back on every purchase. 5% Cash Back on hotels and rental cars booked through Capital One Business Travel.<\/li>\n<li>There's no cap on the cash back you can earn.<\/li>\n<li>$0 intro for first year; $95 after that.<\/li>\n<\/ul>\n<h2><span id=\"Capital_One_Spark_Cash_Cons\">Capital One Spark Cash Cons<\/span><\/h2>\n<ul>\n<li>Earns cash back and not Capital One Miles, which could be maximized through travel partners.<\/li>\n<li>Other business cards offer better business-specific perks.<\/li>\n<\/ul>\n<h2><span id=\"Capital_One_Spark_Cash_Welcome_Offer\">Capital One Spark Cash Welcome Offer<\/span><\/h2>\n<p>Currently, new applicants of the <a data-ccid=\"5048373\" href=\"\/blog\/link\/CRCapOneSparkCash\" rel=\"noopener nofollow sponsored\">Spark Cash<\/a> can earn $1,000 Cash Back once you spend $10,000 in the first 3 months from account opening.<\/p>\n<p>The cash back will be applied to your rewards balance within two billing cycles. And the cash back you earn can be redeemed in the form of a statement credit or a check &#8212; or combined with the rewards earned on a Capital One miles-earning card, should you also carry such a product.<\/p>\n<p><strong>Related:<\/strong> <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/convert-cash-back-to-miles\/\" rel=\"noopener\">How To Convert Capital One Cash Back to Miles for Transfer Partners<\/a><\/p>\n<figure id=\"attachment_215239\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-215239 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/06\/Business-Working-Featured-Clique-Images-Unsplash.png\" alt=\"Businesswoman working on a laptop.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/06\/Business-Working-Featured-Clique-Images-Unsplash.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/06\/Business-Working-Featured-Clique-Images-Unsplash-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/06\/Business-Working-Featured-Clique-Images-Unsplash-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/06\/Business-Working-Featured-Clique-Images-Unsplash-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Clique Images\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Capital_One_Spark_Cash_Benefits\">Capital One Spark Cash Benefits<\/span><\/h2>\n<p>Unlike a lot of other business cards out there, the <a data-ccid=\"5048373\" href=\"\/blog\/link\/CRCapOneSparkCash\" rel=\"noopener nofollow sponsored\">Spark Cash<\/a> is light on benefits. However, there are still a few benefits available to your business:<\/p>\n<h3><span id=\"No_annual_fee_for_the_first_year\">No annual fee for the first year<\/span><\/h3>\n<p>Spark Cash cardholders can take advantage of an annual fee that's $0 intro for first year; $95 after that. This means you can test-drive the card for a year before deciding if you want to re-up for year two and beyond.<\/p>\n<h3><span id=\"0_fraud_liability\">$0 fraud liability<\/span><\/h3>\n<p>The Spark Cash comes with $0 fraud liability. This means that you can get a replacement card if your card gets lost or stolen as well as a cash advance.<\/p>\n<h3><span id=\"Business_tools\">Business tools<\/span><\/h3>\n<p>The Spark Cash has a few business-related tools that could be valuable to small business owners.<\/p>\n<ul>\n<li>Cardholders can get year-end summaries in the form of an itemized report to help with budgeting and taxes. Purchase records can also be downloaded into several formats, including Quicken, QuickBooks, and Excel.<\/li>\n<li>An account manager can be assigned to your Spark Cash account who can make purchases as well as payments and resolve any account issues.<\/li>\n<li>Employee cards are free when you have the Spark Cash. Business owners can control spending limits and earn rewards from employee cards.<\/li>\n<\/ul>\n<figure id=\"attachment_163933\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-163933 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Mikhail-Nilov-Pexels-woman-with-business-documents-featured.jpg\" alt=\"a woman sits at a desk with business documents spread out\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Mikhail-Nilov-Pexels-woman-with-business-documents-featured.jpg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Mikhail-Nilov-Pexels-woman-with-business-documents-featured-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Mikhail-Nilov-Pexels-woman-with-business-documents-featured-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Mikhail-Nilov-Pexels-woman-with-business-documents-featured-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Mikhail Nilov\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Capital_One_Spark_Cash_Earning_Rates\">Capital One Spark Cash Earning Rates<\/span><\/h2>\n<p>The <a data-ccid=\"5048373\" href=\"\/blog\/link\/CRCapOneSparkCash\" rel=\"noopener nofollow sponsored\">Spark Cash<\/a> earns an uncapped cash back on the following purchase categories:<\/p>\n<ul>\r\n<li>2% Cash Back on every purchase<\/li>\r\n<li>5% Cash Back on hotels and rental cars booked through Capital One Business Travel<\/li>\r\n<\/ul> \n<p>These are very simple categories to keep track of. And that's part of the allure of this card. It's a great card to use on virtually any kind of everyday purchase, and it's extra rewarding on bookings you make through the <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/capital-one-travel-portal\/\" rel=\"noopener\">Capital One Travel portal<\/a>.<\/p>\n<h2><span id=\"Redeeming_Rewards_With_the_Capital_One_Spark_Cash\">Redeeming Rewards With the Capital One Spark Cash<\/span><\/h2>\n<p>Cash back rewards can be redeemed in the form of a statement credit to your account, as a check, or <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/convert-cash-back-to-miles\/\" rel=\"noopener\">converted into travel rewards<\/a> when you also carry a Capital One miles-earning credit card. The latter option is the best way to get more than face value out of your rewards.<\/p>\n<p>Capital One has over <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/capital-one-transfer-partners\/\" rel=\"noopener\">a dozen travel partners<\/a>, including Air Canada Aeroplan, Singapore Airlines KrisFlyer, and more. On average, <a target=\"_blank\" href=\"\/point-mile-values\/Capital+One\" rel=\"noopener\">AwardWallet users redeem Capital One miles<\/a> at 2.04\u00a2 apiece, making them an incredibly valuable rewards currency.<\/p>\n<p>And you can potentially get even more value out of them by booking things like international business class, so it's worth checking out this card alongside a <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/capital-one-miles-credit-cards\/\" rel=\"noopener\">miles-earning Capital One card<\/a> if you're interested in stockpiling travel rewards.<a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/convert-cash-back-to-miles\/\" rel=\"noopener\"><\/a><\/p>\n<h2><span id=\"Application_Restrictions\">Application Restrictions<\/span><\/h2>\n<p>Before you apply for the <a data-ccid=\"5048373\" href=\"\/blog\/link\/CRCapOneSparkCash\" rel=\"noopener nofollow sponsored\">Spark Cash<\/a>, you'll need to gather some information:<\/p>\n<ul>\n<li>Legal names, addresses, and social security numbers of all business owners<\/li>\n<li>Legal business name, address, and business tax ID number (TIN)<\/li>\n<\/ul>\n<p>Capital One is one of the stricter credit card issuers when it comes to <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">application rules and restrictions<\/a> and is especially sensitive to applicants who have opened a lot of cards in recent months when they apply for a new Capital One Card. You also cannot hold any more than two personal Capital One cards at once, though there is no limit to the number of business cards you can have.<\/p>\n<p>Capital One will run your credit from all three credit bureaus and reports business cards to your credit account. This means that they will count against <a target=\"_blank\" href=\"\/credit-cards\/chase-5-24-rule\/\" rel=\"noopener\">Chase's 5\/24 rule<\/a>.<\/p>\n<figure id=\"attachment_178302\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-178302 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Credit-Card-Featured-Vitaly-Gariev-Unsplash.png\" alt=\"Woman holding a credit card in one hand and a mobile phone in the other hand.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Credit-Card-Featured-Vitaly-Gariev-Unsplash.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Credit-Card-Featured-Vitaly-Gariev-Unsplash-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Credit-Card-Featured-Vitaly-Gariev-Unsplash-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Credit-Card-Featured-Vitaly-Gariev-Unsplash-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Vitaly Gariev\/Unsplash<\/em><\/enter><\/figure>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/how-to-get-a-business-credit-card\/\" rel=\"noopener\">How to Get a Business Credit Card in 3 Easy Steps<\/a><\/strong><\/p>\n<h2><span id=\"Cards_That_Compete_With_the_Capital_One_Spark_Cash\">Cards That Compete With the Capital One Spark Cash<\/span><\/h2>\n<ul>\n<li><strong>If you want to earn rewards on different kinds of purchases,<\/strong> consider the <a data-ccid=\"340040\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-cash\/\">Ink Business Cash<sup>\u00ae<\/sup> Credit Card<\/a> (<a data-ccid=\"340040\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005141&type=3&u1=349083085e86194104e1e6af916edb84&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). You'll earn 5% cash back at office supply stores and on cellular phone, landline, internet and cable TV services and 2% cash back on dining and gas on the first $25,000 spent in combined purchases each account anniversary year. Better yet, this card carries no annual fee. <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/ink-business-cash\/\" rel=\"noopener\">Learn more in our full Ink Cash review<\/a>.<\/li>\n<li><strong>If you'd rather earn travel rewards instead of cash back<\/strong>, then the <a data-ccid=\"3006149\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/spark-miles\/\">Capital One Spark Miles for Business<\/a> is worth a look. This card imposes a $0 introductory fee for the first year; $95 after that. On purchases, you'll earn 2 Miles per $1 on every purchase, everywhere. 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Business Travel. And you can take advantage of additional benefits, like an up-to-$120 Global Entry or TSA PreCheck fee credit and no foreign transaction fees. <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/spark-miles\/\" rel=\"noopener\">Learn more in our full Spark Miles review<\/a>.<\/li>\n<li><strong>If your business spends a lot of money every month<\/strong>, check out the <a data-ccid=\"4048264\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/capital-one-spark-cash-plus\/\">Capital One Spark Cash Plus<\/a>. This card offers unlimited 2% Cash Back on every purchase, making it ideal for businesses with diverse spending needs. This card has no preset spending limit and no foreign transaction fees, offering flexibility and simplicity for businesses on the go. Note that the Spark Cash Plus is a charge card and the balance should be paid in full each month. <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/capital-one-spark-cash-plus\/\" rel=\"noopener\">Learn more in our full Spark Cash Plus review<\/a>.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-capital-one\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/34658cdd-f2cb-4b12-9a5a-b2b77c2cc649.png\" width=\"150\" alt=\"Ink Business Cash\u00ae Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Ink Business Cash<sup>\u00ae<\/sup> Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn $750 when you spend $6,000 on purchases in the first three months after account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Cash\u00ae Credit Card' data-ccid=\"340040\" href=\"\/blog\/link\/InkCashBusinessCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"340040\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005141&type=3&u1=349083085e86194104e1e6af916edb84&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year<\/li>\r\n<li>2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year<\/li>\r\n<li>1% cash back on all other card purchases with no limit to the amount you can earn<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/e19aa472-38e5-4c90-9980-8ac54ecec6be.png\" width=\"150\" alt=\"Capital One Spark Miles for Business\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One Spark Miles for Business<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 50,000 Miles once you spend $4,500 on purchases within 3 months from account opening<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='Capital One Spark Miles for Business' href=\"\/blog\/link\/CRCapOneSparkMiles\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0 introductory fee for the first year;<br> $95 after that<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>2X miles per dollar on every purchase, everywhere, no limits or category restrictions<\/li>\r\n<li>5X miles per dollar on purchases through Capital One Entertainment<\/li>\r\n<li>5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/cc308a03-f10d-4b35-8aec-c22591052b67.png\" width=\"150\" alt=\"Capital One Spark Cash Plus\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One Spark Cash Plus<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> $2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='Capital One Spark Cash Plus' href=\"\/blog\/link\/CR-CapitalOneSparkCashPlus\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$150<\/p><\/div><div class=\"compare-rating compare-rating--6\"><strong>Credit Score<\/strong><p>Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>2% Cash Back on every purchase. 5% Cash Back on hotels and rental cars booked through Capital One Business Travel.<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-business-credit-cards\/\" rel=\"noopener\">This Month's Top Business Credit Card Offers<\/a><\/strong><\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>The <a data-ccid=\"5048373\" href=\"\/blog\/link\/CRCapOneSparkCash\" rel=\"noopener nofollow sponsored\">Capital One Spark Cash<\/a> is great for small businesses that have small to medium-sized expenses. The cash back welcome bonus and $0 intro annual fee for the first year, and other business perks such as account manager and free employee cards are especially valuable benefits for business owners.<\/p>\n<p>The card doesn't offer much in terms of travel rewards unless you also carry a Capital One miles-earning rewards card. In that case, you can redeem your cash back for miles by transferring to your other account. Additionally, unlimited 2% cash back on all purchases is easy if you want a simplified earning structure. However, if you'd like to take your earnings up a notch, you may want to consider something else.<\/p>\n<div class=\"qs-card\" data-id=\"5048373\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One Spark Cash<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/0a1a73c8-b137-4393-9ef9-2437b08b5b2b.png\" width=\"150\" alt=\"Capital One Spark Cash\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='Capital One Spark Cash' href=\"\/blog\/link\/CRCapOneSparkCash\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn $1,000 Cash Back once you spend $10,000 in the first 3 months from account opening<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One Spark Cash<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn $1,000 Cash Back once you spend $10,000 in the first 3 months from account opening<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0 intro for first year; $95 after that<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Capital One Spark Cash provides a strong return on business expenses of 2% on every $1 spent. Unlike many other cash back business cards, there is no cap on the cash back you can earn.<\/div><div class=\"qs-tab-hl\"><ul>\r\n         <li>Earn $1,000 Cash Back once you spend $10,000 in the first 3 months from account opening<\/li>\r\n         <li>2% cash back for your business on every purchase, everywhere<\/li>\r\n \t<li>No foreign transaction fees<\/li>\r\n \t<li>$0 intro for first year; $95 after that<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>2% Cash Back on every purchase<\/li>\r\n<li>5% Cash Back on hotels and rental cars booked through Capital One Business Travel<\/li>\r\n<\/ul> <\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SparkCash\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-69271f2c6#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Capital One Spark Cash card earns an unlimited 2% cash back on every purchase. And new applicants can take advantage of a big welcome bonus. Here&#8217;s our full review of this card to help you decide if it&#8217;s one worth applying for and using for your everyday business spending.<\/p>\n","protected":false},"author":76,"featured_media":151416,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12657,12787,12520,12620],"coauthors":[36406],"class_list":["post-225099","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-business","tag-capital-one","tag-card-benefits","tag-card-reviews"],"acf":[],"yoast_head":"<title>Capital One Spark Cash Review: Uncapped 2% Cash Back<\/title>\n<meta name=\"description\" content=\"The Capital One Spark Cash card is a worthy contender for a starter business card for small and medium-sized businesses. 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