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The Capital One Spark Cash for Business card offers a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening. Compare this with other business card bonuses here.
Earn unlimited 2% cash back on every purchase you make with the Spark Cash business credit card. It’s a great option if you want simple rewards. The no annual fee version of this card, the Capital One Spark Cash Select for Business, earns at a 1.5% rate.
Capital One offers several “Spark” business cards. Their “Spark Miles” products will earn rewards at a similar rate to their “Spark Cash” counterparts. The rewards with the Miles cards are used toward travel and can actually be worth more now that Capital One has 10+ transfer partners.
the first 3 months
the first 3 months
the first 3 months
Looking to get the most for your money? Consider combining this card with another one that earns higher rewards for select categories.
*The Spark Cash for Business is issued by Capital One. Capital One also offers sign-up bonuses for its Checking/Savings accounts.
| Bonus available | Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening. |
| Bonus value* | $500 |
| Ongoing rewards/benefits | Unlimited 2% cash back on all purchases. Employee cards at no extra cost. |
| Foreign transaction fees? | No |
| Annual Fee | $95, waived your first year. |
*Bonus value is an estimated value calculated by MoneysMyLife and not the card issuer. Read our card review for more details.
View our latest valuations here.
Recommended Credit Score (Get Your Free Score)
PROS
- Welcome bonus
- Unlimited cash back
- Free employee cards
- No foreign transaction fee
CONS
- Annual fee
- Good-Excellent credit needed to qualify
INK BUSINESS CASH® CREDIT CARD
The Ink Business Cash® Credit Card from Chase has an offer for $750 bonus cash back (75,000 Ultimate Rewards points) when you spend $7,500 on purchases in the first 3 months after account opening. This card has no annual fee.
This card earns 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. It also earns 2% cash back on the first $25,000 in combined spending at gas stations and restaurants each anniversary year. All other purchases earn an unlimited 1% cash back.
You can redeem your rewards for cash back, gift cards, travel and more.
The Ink Business Cash Credit Card earns Chase Ultimate Rewards. This allows for more redemption possibilities when paired with other Chase Ultimate Rewards cards (e.g. Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Ink Business Preferred® Credit Card). Pair it with one of these cards, use the available transfer partners, and 75k Ultimate Rewards points can be worth up to $1,500 in value.
Capital One Spark Cash $500 Bonus Cash
Take advantage of the Spark Cash card’s introductory offer for a $500 cash bonus. Spend $4,500 on purchases within 3 months from account opening to earn the bonus.
Here are some ideas on meeting the spending requirement:
Redeeming Your Spark Cash Rewards
Redeem at any time with no minimums for:
- Statement credits
- Checks
Set up automatic redemption preferences, like:
- On a set date each calendar year
- When you hit a specific dollar figure ($25, $50, $100 or $200)
If you don’t set up automatic preferences, you can redeem on request.
Bottom Line
Looking for unlimited earnings, a great sign-up bonus and user-friendly rewards? The Spark Cash for Business credit card from Capital One might be a good fit.
But if you want more earning potential, consider other cards with bonus categories. Check out a few other business card options below.
What’s The Competition?
Below are some of the top competitors to the Spark Cash from Capital One you should consider.
The Ink Business Preferred® Credit Card and Ink Business Cash® Credit Card are two good options from Chase. Both have sign-up bonuses as well.
INK BUSINESS PREFERRED® CREDIT CARD
The Ink Business Preferred® Credit Card from Chase has a new cardmember offer for 100,000 bonus points after you spend $15,000 on purchases in the first 3 months after opening.
These bonus points are worth $1,250 towards travel when you redeem through Chase Ultimate Rewards. Or, transfer points over to Ultimate Rewards travel partners to potentially get even more value – up to an average $2,000 for 100k points. Read more about this here.
This card earns 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year. You’ll earn unlimited 1 Point Per $1 spent on all other purchases.
The Chase Ink Business Preferred Credit Card earns Ultimate Rewards points. This makes it a great choice for pairing with the non-business Chase Sapphire Preferred® Card or Chase Sapphire Reserve®. You’ll be able to pool points together for faster rewards.
This card has a $95 annual fee.
INK BUSINESS CASH® CREDIT CARD
The Ink Business Cash® Credit Card from Chase has an offer for $750 bonus cash back (75,000 Ultimate Rewards points) when you spend $7,500 on purchases in the first 3 months after account opening. This card has no annual fee.
This card earns 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. It also earns 2% cash back on the first $25,000 in combined spending at gas stations and restaurants each anniversary year. All other purchases earn an unlimited 1% cash back.
You can redeem your rewards for cash back, gift cards, travel and more.
The Ink Business Cash Credit Card earns Chase Ultimate Rewards. This allows for more redemption possibilities when paired with other Chase Ultimate Rewards cards (e.g. Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Ink Business Preferred® Credit Card). Pair it with one of these cards, use the available transfer partners, and 75k Ultimate Rewards points can be worth up to $1,500 in value.
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Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Disclaimer: These responses are not provided or commissioned by the bank advertiser, credit card issuer, hotel, airline or other entity. Responses have not been reviewed, approved or otherwise endorsed by any of the entities included within the post. It is not the bank advertiser's or any other entity's responsibility to ensure all posts and/or questions are answered.