$395
Annual fee
See the card
Card reviewCapital One
Updated Sep 11, 2026 · research
Capital OneSpark Cash Rewards
Spark 2% Cash Credit Card
Earn unlimited 2% cash back for your business on every purchase, everywhere, with a $1,000 cash bonus.
Business
Visa
Credit profile: excellent$95
Annual fee
5% back capital one entertainment purchases
Top rate
None
Foreign fee
We link to the issuer. Rewardopedia is not paid on this application until a program is approved. That never changes our editorial inclusion, rankings, or verdicts.
Earning Rates
Capital One Entertainment purchases
5%cash back
tickets purchased on the Capital One Entertainment ticketing platform only
hotels and rental cars booked through Capital One Business Travel
5%cash back
booked through Capital One Business Travel
hotels, vacation rentals and rental cars booked through Capital One Business Travel
5%cash back
booked through Capital One Business Travel
every purchase
2%cash back
no limits or category restrictions
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee Waived first year | $95 |
| Foreign Transaction Fee | 0% |
APR Information
- Purchase APR
- 24.49%
- Balance Transfer APR
- 24.49%
- Cash Advance APR
- 30.49%
- Penalty APR
- 32.90%May apply if you pay late
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
5 benefits
Purchase Protection
Lifestyle Benefits
Other Insurance
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
About This Card
Spark Cash business card earns unlimited 2% cash back on every purchase everywhere with no limits, plus 5% cash back on hotels and rental cars booked through Capital One Business Travel. $0 intro annual fee for the first year, $95 thereafter. 24.49% variable APR for purchases and transfers.
Ready to Decide?
Apply for the Spark 2% Cash Credit Card
Current offer available with a $95 annual fee.
We link to the issuer. Rewardopedia is not paid on this application until a program is approved. That never changes our editorial inclusion, rankings, or verdicts.
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Rewards program
Spark Cash Rewards
Earns Cash Back
Card Categories
Cash backBusinessNo Foreign Transaction FeeTravelEveryday spending
Sources & Methodology
Sources & Methodology
Data Collection
We collect card details from official issuer pages, then verify them with automated checks.
Last updated:
How it's checked
Analyzed by the Rewardopedia Engine.
Data Quality
- 4 of 5 benefits rated high confidence
- 5 source citations across benefits
- 0 of 1 offer verified
Learn More
Read our full methodology for how we collect, verify, and rate credit cards.
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