Marshall Jamieson, WalletHub Finance Consultant
@bergman77
The best Capital One Spark business card is Capital One Spark Cash Plus (see details, rates & fees). It gives 2 - 5% cash back on purchases and offers a bonus of $2,000 for spending $30,000 in the first 3 months, plus an additional $2,000 bonus for every $500,000 spent in the first year. The Capital One Spark Cash Plus card also has a $150 annual fee. Just keep in mind that this is a charge card, so the balance needs to be paid in full each month.
Best Spark Business Credit Cards
- Details, Rates & Fees High Spenders: Capital One Spark Cash Plus
- Details, Rates & Fees Double Rewards: Capital One Spark Cash
- Details, Rates & Fees Travel Rewards: Capital One Spark Miles for Business
- Details, Rates & Fees No Annual Fee: Capital One Spark Cash Select
- High Spenders: Capital One Spark Cash Plus
- Double Rewards: Capital One Spark Cash
- Travel Rewards: Capital One Spark Miles for Business
- No Annual Fee: Capital One Spark Cash Select
- Limited Credit: Capital One Spark Classic for Business
- Limited Credit: Capital One Spark Classic for Business
Although Capital One Spark Cash Plus is the best Capital One Spark card overall, the other options are certainly worth considering in the right situation. For example, if you plan to use your card more for travel, the best Spark business card is Capital One Spark Miles for Business. It gives at least 2 miles / $1 spent and offers a bonus of 50,000 miles for spending $4,500 in the first 3 months.
If you don’t want to pay an annual fee, the best Spark business card is either Capital One Spark Cash Select or Capital One Spark Miles Select for Business. The rewards aren’t as good, but the price might be right for your situation.
Ultimately, each of the Capital One Spark business cards caters to different needs. But they have a few things in common, too. None of them charge foreign transaction fees, for example. And all of the Spark business cards let you get employee cards at no extra cost.
People also ask
Are Capital One Spark Cash Plus Visa or Mastercard?
The Capital One Spark Cash Business credit cards can be either Mastercard or Visa cards. You can use any of the Capital One Spark Cash cards at millions of merchants that accept Mastercards or Visa cards nationwide, and you can use it abroad in more than 200 countries and territories.
Capital One Spark Business Credit Cards by Card Network
- Details, Rates & Fees Visa
- Details, Rates & Fees Visa
- Visa
- Details, Rates & Fees Mastercard
- Details, Rates & Fees Mastercard
- Mastercard
- Details, Rates & Fees Mastercard
- Details, Rates & Fees Mastercard
- Mastercard
- Visa
- Mastercard
- Mastercard
There are a few differences between Visa and Mastercard credit cards, such...
read full answer by Maria Adams, Credit Cards ModeratorWhat credit score is needed for the Capital One Spark Cash card?
A credit score of 750+ is generally recommended for Capital One Spark Cash (see details, rates & fees). This means you need excellent credit to be considered for this card.
Having said that, it is also worth noting that a excellent credit score doesn’t guarantee approval. The reason for that is because while your credit standing is a very important factor, it’s not the only one. There are other variables that may play a role such as outstanding debts, your job status...
read full answer by Maria Adams, Credit Cards ModeratorWhat credit bureau does Capital One Spark Cash Select use for approval?
The Spark Cash Select (see details, rates & fees) uses reports from all three major credit bureaus – Equifax, Experian, and TransUnion – to check your credit when you apply, according to anecdotal evidence. Capital One checks your personal credit history because this card requires a personal guarantee. This means that you are personally liable for any debts the business cannot pay.
Key Things to Know
- The Spark Cash Select (see details, rates & fees) requires excellent credit or better.
- When you apply, Capital One...
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