Earning Rates

The Spark Cash earns unlimited cash back at the following rates:

  • 5% cash back on hotels and rental cars booked through Capital One's travel booking site.
  • 2% cash back on all other purchases for your business, everywhere, no limits or category restrictions.

Key Benefits

Here are the main benefits of the Spark Cash:

  • Travel & Purchase Coverage: Roadside Assistance and Extended Warranty.

Fees

Annual Fee

The Spark Cash has an introductory fee of $0, then $95 annually.

For businesses spending over $150K annually ($12,500 per month), the Spark Cash Plus Card is a top choice. While it carries a $150 annual fee, that fee is fully reimbursed if you meet the $150K spending threshold within the calendar year.

If your business spends less than $19.2K annually ($1,600 per month), the no-annual-fee Capital One Spark Cash Select for Business is a better fit, offering solid cash-back rewards without any added cost.

Authorized User Fee

There is no fee to add authorized users to the Spark Cash. Additional employee cards can help build cash back faster and help you push towards the annual fee rebate.

Foreign Transaction Fee

The Spark Cash has a 0% foreign transaction fee. That makes this an excellent choice for businesses that deal with international travel and/or spending.