If you're a business owner looking to earn cash-back rewards for your purchases, Capital One offers a solid suite of cards for you to consider.
Right now, Capital One's Spark Cash business cards are offering elevated welcome bonuses, making it a good time to compare the lineup.
New cardholders can receive a haul of bonus cash-back upon meeting spending requirements, depending on the card they choose. If simplicity and cash-back are your speed, these cards are worth a look.
Here's what you need to know.
Comparing Capital One Spark Cash welcome offers
First, let's get an overview of the three business cash-back cards from Capital One:
| Card | Welcome offer | Annual fee |
|---|---|---|
| <a target="_blank" href="https://thepointsguy.com/credit-cards/capital-one-spark-cash-plus/"><strong>Capital One Spark Cash Plus</strong></a> | 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. | $150 |
| <a target="_blank" href="https://thepointsguy.com/credit-cards/capital-one-spark-cash/"><strong>Capital One Spark Cash</strong></a> | 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. | $0 introductory annual fee for the first year, then $95 |
| <a target="_blank" href="https://thepointsguy.com/credit-cards/capital-one-spark-cash-select/"><strong>Capital One Spark Cash Select</strong></a> | Earn a $750 cash bonus after spending $6,000 on purchases within the first three months of account opening. | $0 |
Capital One Spark Cash Plus
High-spending business owners who love earning cash back have plenty to enjoy with Capital One Spark Cash Plus.
Current welcome offer: 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.
This is one of the strongest offers we've seen in the card's offer history. Businesses that can meet the initial $30,000 spending requirement can earn a valuable upfront bonus, while higher-spending businesses have the opportunity to unlock additional $2,000 cash bonuses throughout the first year.
Note that the $500 Capital One Business Travel credit must be used for travel booked through the Capital One Business Travel portal.
Annual fee: $150
Key benefits: Spark Cash Plus cardholders earn 2% cash back on all purchases with no cap. You'll also receive 5% back on hotels and rental cars booked through Capital One Business Travel.
The card is flexible, since it has no preset spending limit and adapts to your needs based on spending behavior, payment history and credit history. It's an excellent choice for high-spending business owners.
If you spend $150,000 or more on the card in one year, you'll receive a refund of your $150 annual fee. While this is a high bar to clear, it's a good perk if you're going to be putting a bevy of spending on the card.
You can also request employee cards at no additional cost. Like with any Capital One card, there are no foreign transaction fees when you use the card abroad.
To learn more, read our full review of the Spark Cash Plus.
Learn more: Capital One Spark Cash Plus
Capital One Spark Cash
The Capital One Spark Cash provides solid earnings for business owners who want to keep it simple.
Current welcome offer: 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.
Factoring in the limited-time travel credit, this is stronger than the card's typical welcome offer. As with the Spark Cash Plus, you must redeem the travel credit through the Capital One Business Travel portal.
Annual fee: $0 introductory annual fee for the first year, then $95
Key benefits: Like the Spark Cash Plus, the Spark Cash earns an unlimited 2% back on all eligible purchases, plus 5% back on hotels and rental cars booked through Capital One Business Travel.
When it comes to fixed-rate cash back, this card is a real earner. You can also get employee cards at no additional cost and avoid foreign transaction fees when traveling internationally.
To learn more, read our full review of the Spark Cash.
Learn more: Capital One Spark Cash
Capital One Spark Cash Select
If you're looking to earn cash back on business expenses with no annual fee, the Capital One Spark Cash Select is the right choice for you.
Current welcome offer: Earn a $750 cash bonus after spending $6,000 on purchases within the first three months of account opening.
While this is the card's standard welcome offer, it's still compelling given the lack of an annual fee and relatively modest spending requirement.
Annual fee: $0
Key benefits: The Spark Cash Select is an excellent option if you're looking for a business card with no annual fee. You'll get 5% back on hotels and rental cars booked through Capital One Business Travel and an unlimited 1.5% back on all other purchases.
The card charges no foreign transaction fees.
To learn more, read our full review of the Spark Cash Select.
Learn more: Capital One Spark Cash Select
Which Capital One business cash-back card is right for you?
This lineup provides options for multiple types of spenders. Here are some examples of best fits across the suite:
- Capital One Spark Cash Plus: High-spending business owners who can meet a lofty minimum spending requirement for maximum bonus cash-back rewards.
- Capital One Spark Cash: Business owners who place value on an unlimited 2% earning rate across most everyday purchases.
- Capital One Spark Cash Select: Business owners interested in earning cash back without paying an annual fee.
Related: How to apply for a Capital One business credit card
Bottom line
Capital One provides a solid line of business cash-back cards for multiple types of business owners. Whether you run a high-spending business or a small side hustle, there's a Spark Cash card that fits a wide range of spending habits.
With the current high welcome bonus offers across this lineup, now is a great time to apply if you've been eyeing a new business credit card.
Learn more: Capital One Spark Cash Plus
Learn more: Capital One Spark Cash
Learn more: Capital One Spark Cash Select
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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