Travel & Tourism

A guide to Capital One's Spark business cards

Thinking about adding a business cash-back credit card to your roster? See how Capital One's three Spark business cards all stack up.

AAdmin
August 7, 2026
3 min read
A guide to Capital One's Spark business cards

Jump to section Facebook Twitter LinkedIn Copy URL Email The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information. Editor's Note This is a recurring post, regularly updated with new information and offers. Capital One offers an expansive suite of personal cards, some of which are at the top of our lists, but it also offers a family of cards designed for businesses .

These cards are known as the Spark cards, and they earn cash back.

You can currently apply for three Spark cards: the Capital One Spark Cash Plus , Capital One Spark Cash and the Capital One Spark Cash Select .

With these cards' similar names and earning rates, let's dive into the differences and examine the cards and their welcome offers .

Capital One Spark Cash Plus Earn a one-time $2,000 cash bonus, and for a limited time, earn a $500 Capital One Business Travel credit after spending $30,000 on purchases within the first three months of account opening. Plus, earn an additional $2,000 cash bonus for every $500,000 spent during the first year. Complimentary employee cards No foreign transaction fees No preset spending limit Receive a refund of your $150 annual fee if you spend $150,000 or more on the card in one year Earn 5% cash back on hotels and rental cars booked through Capital One Business Travel and an unlimited 2% cash back on all other purchases. $150 Capital One Spark Cash Earn a $1,000 cash bonus, and for a limited time, earn a $250 Capital One Business Travel credit after spending $10,000 on purchases within the first three months of account opening. Complimentary employee cards No foreign transaction fees Earn 5% cash back on hotels and rental cars booked through Capital One Business Travel and an unlimited 2% cash back on all other purchases. $0 introductory annual fee for the first year, then $95 Capital One Spark Cash Select Earn a $750 cash bonus after spending $6,000 on purchases within the first three months of account opening. No foreign transaction fees Earn 5% cash back on hotels and rental cars booked through Capital One Business Travel and an unlimited 1.5% cash back on all other purchases. $0 Related: Complete guide to saving money with Capital One Offers

If your business spends a lot each month, consider the Spark Cash Plus.

Earn a one-time $2,000 cash bonus, and for a limited time, earn a $500 Capital One Business Travel credit after spending $30,000 on purchases within the first three months of account opening. Plus, earn an additional $2,000 cash bonus for every $500,000 spent during the first year.

Daily Newsletter Reward your inbox with the TPG Daily newsletter Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s experts Email address Sign up Submitting... By signing up, you will receive newsletters and promotional content and agree to our Terms of Use and acknowledge the data practices in our Privacy Policy . You may unsubscribe at any time.

The Spark Cash Plus carries a $150 annual fee. Businesses with high spending should consider this card for its lucrative welcome bonus, which offers unlimited bonus-earning potential in the fir…