Capital One
Capital One Spark Cash for Business Benefits, Credits & Annual Fee
$95 / yr (waived year 1) · 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.
- 5%Travel
- 2%Everything Else
Maintained by Creddy Editorial · Catalog checked Oct 9, 2026
Capital One Spark Cash for Business at a Glance: $95 Annual Fee, Issuer and Rewards
- Annual fee:
- $95 / yr (waived year 1)
- Issuer:
- Capital One
- Rewards:
- Cash Back
Capital One Spark Cash for Business Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Travel general | 5% | Portal bookings only |
| Everything else | 2% |
Who Should Get the Capital One Spark Cash for Business?
The Capital One Spark Cash for Business fits people who want one flat rate: 2% on every purchase. With a $95 annual fee and no recurring credits in Creddy's catalog, your rewards need to cover the fee. It is a business card.
Is the Capital One Spark Cash for Business Worth the $95 Annual Fee?
The Capital One Spark Cash for Business costs $95 a year and lists no trackable statement credits, so its value has to come from earning rates and perks. Compare the rates above with your spending before paying the fee.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Capital One Spark Cash for Business Welcome Bonus
$1,000 cash bonus
Offer history
- Usual
- $1,000
- 12-mo high
- $1,000
- Highest seen
- $1,500
Gaps are offers with mixed rewards or no record.
Tracked since Oct 2024
Capital One Spark Cash for Business Statement Credits and When They Reset
Creddy's catalog lists no statement credits for the Capital One Spark Cash for Business. Its value comes from its rewards and other benefits on this page.
Capital One Spark Cash for Business Travel Benefits
Travel Benefits
- Roadside assistance
Roadside assistance helps during auto-related emergencies, including jump-starts, tire changes and towing. Use the service when you need help with a vehicle on the road; the benefit describes available assistance, not free repairs or towing.
Checked Oct 9, 2026 - Capital One Business Travel Access
Capital One Business Travel is a business travel management platform you can access at no additional access charge. Use it to arrange and manage work travel in one place; complimentary access does not mean your travel bookings are free.
Checked Oct 7, 2026
More Capital One Spark Cash for Business Card Benefits
Bonus Earnings
- 5% Cash Back on Hotels and Rental Cars via Capital One Business Travel5%
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.
Checked Jul 4, 2026 - 2% Unlimited Cash Back on Every Purchase2%
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.
Checked Jul 4, 2026
Purchase Protection
- Extended warranty
Extended warranty adds protection to eligible items you buy with your card. Pay for the item with your Spark Cash card to get the additional warranty coverage; items that do not qualify for the benefit are not covered.
Checked Oct 9, 2026
Entertainment
- Capital One Entertainment Ticket Redemptions
Redeem your Capital One rewards for tickets to events through Capital One Entertainment. Go to entertainment.capitalone.com to browse and redeem. Only events made available through that site can be purchased with rewards.
Checked Oct 9, 2026
Fees & Miscellaneous
- Expense Management and Accounts Payable Software Access
Get access to Capital One's integrated Expense Management and Accounts Payable software. Use it to track company spending and manage the bills you pay. Sign in through your Capital One business account to get started.
Checked Oct 9, 2026 - Fraud Liability and Emergency Replacement
Emergency replacement helps you get another card if yours is lost or stolen. Contact Capital One to report the missing card and request a replacement; a cash advance is also available, but it is not a reimbursement for the lost card.
Checked Oct 9, 2026 - 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.
Checked Jul 4, 2026 - Intro Annual Fee Waiver$95 / yr
Enjoy a $0 annual fee for the first year; $95 annual fee applies thereafter. Modeled as a one-time first-year waiver valued at the avoided $95 fee. cards.annual_fee remains 95.
Checked Oct 7, 2026 - No Foreign Transaction Fees
Pay zero foreign transaction fees on purchases made outside of the United States.
Checked Sep 13, 2026
Capital One Spark Cash for Business vs Other Capital One Cards
- Capital One Spark 2x Miles$95 / yr
- Capital One Venture Business$95 / yr
- Capital One Spark Cash Plus$150 / yr
- Capital One Spark 1.5% Miles SelectNo annual fee
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Capital One Spark Cash for Business FAQs
Is the Capital One Spark Cash worth the annual fee?
Compare Capital One Spark Cash for Business's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
Which benefits can Creddy track for Capital One Spark Cash for Business?
Creddy's September 26, 2026 catalog check found no trackable benefit records for Capital One Spark Cash for Business. That describes Creddy's tracking coverage, not the card's full rewards, insurance or issuer benefits. Review the earning tables and the exact issuer terms for those separate features.
What is the annual fee for the Capital One Spark Cash?
Creddy's catalog lists a $95 annual fee for Capital One Spark Cash for Business as checked on September 26, 2026. The catalog marks the first-year fee as waived; confirm the offer you receive. Confirm current pricing and any additional-card fees with Capital One before applying or renewing.
Does the Capital One Spark Cash come with a welcome bonus?
Welcome offers for Capital One Spark Cash for Business can change and may depend on your application or account history. Check Capital One's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the Capital One Spark Cash?
Capital One Spark Cash for Business may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the Capital One Spark Cash compare to other Capital One cards?
Compare Capital One Spark Cash for Business with other Capital One cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.