Capital One® Spark® Cash for Business Reviews (June 2023)Reviews, rates, fees, and rewards details for The Capital One® Spark® Cash for Business. Compare to other cards and apply online in secondsJohn KiernanWalletHub
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Rewards%APR443Reviews19Q&AContact
RewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0 intro for 1st yr, $95 after
Rewards
Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
Free employee cards, which also earn unlimited 2% cash back on all purchases
Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Capital One Spark Cash is among the best business rewards credit cards on the market, particularly for applicants who prefer cash back to travel rewards. The Spark Cash Card’s rewards are simple, yet highly lucrative, as all cardholders earn 2% cash back on all purchases. That includes employee authorized users,... show more
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The Capital One Spark Cash card's starting credit limit is $2,000.
Your actual credit limit, however, will be determined after a review of your application and your ability to pay.
Capital One lets you request a credit limit increase online, as often as you want, as long as your account is at least 3 months old. But you can only be approved for an increase every 6 months.
You have the best chances if you pay your bills on time and your account is at least 12 months old.
A credit score of 700+ is needed for the Capital One Spark Cash card. This means you need at least good credit to get this card.
Having said that, it is also worth noting that a good credit score doesn't guarantee approval. The reason for that is because while your credit standing...
No, you cannot get approved for the Capital One Spark Cash card with no credit. The Capital One Spark Cash is designed for business owners with at least good credit (700+).
You cannot use your Capital One Spark for non-business purposes.
Per Capital One's terms, you “acknowledge and agree that all cards and convenience checks will be used solely for business or commercial purposes and not for personal, family or household purposes.”.
If you can't qualify for an unsecured business card on your own, you might want to consider applying for a secured card instead. Check out the Wells Fargo Business Secured Credit Card as an alternative. And for even better approval odds, there's the OpenSky® Secured Visa® Credit Card that doesn't do...
Yes, the Capital One Spark Cash is a good card. In fact, it's one of the best business rewards cards. It offers an initial bonus of $500 for spending $4,500 in the first 3 months, as well as 2% cash back on all purchases. It also offers free cards for employees, and...
Share your insights and review the Capital One® Spark® Cash for Business
5
20%
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47%
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16%
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8%
1
9%
3.6
443 reviews
443 reviews
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matthewpond @matthewpond
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1 Star Rating
This card is diabolically bad. As a small business owner, I opened this account several months ago for myself and my employees. After several months, a recurring charge was declined. I called Capital One and was told they had put a freeze on all spending, for all cards, notwithstanding the account was in good standing and payment wasn't due for two weeks. The customer service rep said I needed to download the app to use the adjustment tool to figure out how much to pay to get the account, but when I tried, the app was broken. It's impossible to run a business with this uncertainty and declined charges - I will be getting rid of this card pronto. Ugh.
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jason francisco @jtfrancisco13
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1 Star Rating
By far the worst Business card I have ever used, unpredictable spending limits ... can't rely on this card for business purchases ... embarrassing when it surprises you and gets declined
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grant collins @grant_collins
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1 Star Rating
The "no preset spending limit" is a joke and should be removed from advertising. Most frustrating card I've ever tried to use. Not the card for a business that makes large purchases, even if the balance is paid off weekly/daily. The cash back is great but they limit their exposure by declining charges even when carrying a negative balance. Very frustrating! Customer services response is always "just keep using it and it will adjust to your spending needs". How is that possible when charges are declined?
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jr_234978 @jr_234978
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1 Star Rating
Verified Customer
BUSINESS OWNERS BEWARE: 1 day delay in payment for 1 card led Cap One to shut down cards for both of my corps. Both are C-corps. They are totally separate legal entities. Even though I immediately corrected the overdraft, Capital One said it would take a few days to process the payment and would not reactivate the cards for either company until that time.
When I expressed my displeasure, the Capital One supervisor on the recorded call said she would not provide me a copy of the recording to forward to the Hawaii and Delaware attorneys general on behalf of each of my companies. When I then said that I would begin recording, the supervisor said that she would not consent to my recording of the call. I have the time and date date of the call and the ID # of the rep and am now filing a complaint with the attorneys general for each respective company. Access to credit shut down for 5 days. Two totally unrelated legal entities. I am now wasting my day fielding calls from vendors telling me that my credit card payment has been rejected. This should NEVER happen.
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linszk @linszk
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1 Star Rating
Horrible They pick and choose your credit limit last month I could spend $10500 and this month anything over $7300 was declined and sometimes they don’t tell you e e something declines, you find out when the lab send you a late fee.
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ngalex53 @ngalex53
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2 Star Rating
Verified Customer
It is absolutely impossible to get help. It is impossible to be able to see my account online because I will not give my cell phone number - as I am sure this company sells cell numbers to companies who robo or spam call you. My home phone number is given, and there is supposedly an option to be able to view my account online, but it never, ever works. They want to force you to give them your cell number so that they can make money on selling info, in addition to charging over 20% interest. I have NO way to view transactions at all. Maddening - after hours and hours, several times, on the phone and on the computer trying to simply view my statements and transactions. I can't use a business card, from which I need to be able to report transactions for tax purposes! I'll just have to find another company that is more cooperative. I don't like unsolicited calls and texts on my cell phone - and have successfully avoided that by always giving my landline number as my contact number for every other company... but this one seems to be concerned about NOT generating more income by invading my privacy. They have given me a ONE time code (by phone) that they say will allow me to access my account twice - and it never works. The option to get a call via my landline with an access code, and that does not work either. Seems super-scammy.
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Dave B @b_bob65
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1 Star Rating
Terrible customer service. Rude and unreasonable. I've had this card for a few years now, but if you have a one time problem, don't expect any help from Capital One.
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prashanthb @prashanthb
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1 Star Rating
Verified Customer
Capital One is a disonest company. Their customer service for this card is worse than the DMV. I have a near perfect credit score, owned other capital one cards for 10+ years, always paid off on time, never had an issue prior but this card and Capital One customer service is a nightmare and they don't give an 'f' to resolve issues. I have no specific spending limit on my card but I can't even make a 2k purchase. Their so called 'algorithm' prevents me from making the purchases. When I call them and ask them to fix this issue, they openly claim that they don't give an 'f'. I told them that I have to switch to Chase or Citi since my card is practically unusable. Their response is 'go ahead'. What has happened to Capital One? I'm NEVER GOING TO USE CAPITAL ONE services for anything anymore. I'm done. I'll recommend every friend and family member I know to stay away from this horrible company who don't give an 'f' about small businesses.
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Robert Hutt @bobhutt99
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1 Star Rating
Here's one for the ages. I have used the Sparks Capital One 2% Cash Back card for years. At the end of the year I clicked REDEEM FOR CASH requesting $6,800+ I had earned. Instead of sending me a check it read I had a $6,800 credit in my account. I called immediately only to be told that there is NO REDEEM FOR CASH OPTION ON THEIR APP although it clearly READS EXACTLY THAT. Since my balance is ZERO I requested politely Capital One send me my money. I was told that they would escalate my case to a supervisor and let me know their decision in 5 business days. This is no way to run a reputable business.
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carlisle @carlisle
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1 Star Rating
Verified Customer
We have been a customer for over 10 years. Their customer service recently changed. (HORRIBLE) . They restricted our acct. once to verify we are a business. Gave them info requested. A month latter they restricted again for the same reason. Now they want tax returns? and a month to be unrestricted. We are closing both of our business accounts with them. I think that is what they want. They should stop spending $ on adds.
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