Capital One
Capital One Spark Cash for Business
$95 / yr · Earns Cash Back
A flat-rate cash back business card that earns 2% on every purchase with no category restrictions, plus 5% on hotels and rental cars booked through Capital One Business Travel. Best for small business owners who want simple, unlimited rewards without tracking spending categories.
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Travel general | 5% | |
| Everything else | 2% |
Benefits
Welcome Bonus
- Cash Bonus$1000
Get a one-time $1,000 cash bonus early in your cardmembership. Spend $10,000 on purchases within the first 3 months of opening your account to qualify. The bonus does not apply if you miss the 3-month spending window.
Bonus Earnings
- Cash Back on Hotels and Rental Cars via Capital One Business Travel5% / yr
Earn 5% cash back on hotels and rental cars when you book through Capital One Business Travel. The higher rate applies only to bookings made via that portal — hotels or rentals booked elsewhere earn the standard 2% rate.
Resets: Yearly - Unlimited Cash Back on Every Purchase2% / yr
Earn 2% cash back on every business purchase with no caps and no category restrictions. Cash back posts automatically to your account and can be redeemed as a statement credit or check. There is no minimum redemption amount.
Resets: Yearly
Fees & Miscellaneous
- Free Employee and Virtual Cards
Add employee cards and virtual cards to your account at no extra cost. Each card earns cash back on purchases, consolidating your team's spending under one account. There is no limit on the number of free cards you can issue.
Resets: Yearly - Intro Annual Fee Waiver$0 / yr
Pay no annual fee for your first year as a cardholder. After the first year, a $95 annual fee applies and is charged each year going forward.
Resets: Yearly