Earn up to $500 bonus cash back with Spark Cash for Business cards


See what Spark Cash for Business intro bonuses can get you in rewards in the first year.

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If you are looking for a card that rewards your business spending with a flat cash back rate and offers a competitive sign-up bonus, you’re in luck. Capital One has both a no-annual fee and premium option. The Spark Cash for Business comes with a generous $500 bonus if you spend $4,500 in the first three months and Spark Cash Select with $200 if you spend $3,000 in the first three months.

Which Capital One Spark Cash card is better in the first year?

Though it comes with a $95 annual fee, the Spark Cash card has a higher rewards rate that can help heavy spenders earn more rewards than with the Spark Cash Select. Plus, the annual fee is waived the first year.

 Spark Miles card
Spark Cash for Business
Spark Miles Select card
Spark Cash Select for Business
Rewards rate2% cash back on all purchases1.5% cash back on all purchases
Sign-up bonus$500 cash bonus if you spend $4,500 in first 3 months$200 cash bonus if you spend $3,000 in first 3 months
Annual fee$95, waived first year$0
Estimated earnings in first year ($4,000 monthly spend)$1,460$920

With the Spark Cash Select, you might not pay an annual fee, but you will take home much less in cash rewards each year. In fact, you only need to spend around $2,000 per month to make up for the Spark Cash card’s $95 annual fee and still earn more rewards.

Recent changes to the Spark Cash cards

Last year, the Spark Cash for Business card offered an incredible limited-time sign-up bonus, offering cardholders up to $2,000. Unfortunately, that bonus expired on Jan. 28, 2019. Though the current sign-up bonus is less eye-catching, it is still competitive with similar cards.

Spark Cash for Business Card Recent Changes

Jan. 28, 2019
$500 when you spend $4,500 in first 3 months
Nov. 13, 2018
  • $500 when you spend $5,000 in first 3 months
  • Additional $1,500 when you spend $50,000 in first 6 months
Previous:$500 when you spend $4,500 in first 3 months


Spark Cash Select for Business Card Recent Changes

There have been no recent changes to the Spark Cash Select sign-up bonus.

Who is eligible for the sign-up bonus?

The Spark Cash sign-up bonus is a promotion for new cardholders, so existing or previous account holders are probably not eligible. Capital One also places a few limitations on who can apply. For example, you are not eligible for a Spark card if you have applied for another Capital One card two or more times in the last 30 days. You’re also limited to five open credit cards with the bank, so if you’ve already hit the cap, you won’t be able to take advantage of this offer.

Both the Spark Cash and Spark Cash Select cards require applicants with excellent credit (above 750). Because they are business cards, you’ll also have to provide information about your business. This includes your TIN or EIN (or SSN if you are a sole-proprietorship or single-member LLC), business ownership type, annual revenue and spend per month. There are no specified qualifications for these cards when it comes to business size or average spend, but it is still important that you have a good personal credit history.

Redemption options for Spark Cash cards

Once you’ve racked up cash back rewards on your Spark Cash or Spark Cash Select card, you have a few different redemption options. You can opt for the traditional statement credit or even set an auto-redemption at thresholds anywhere from $25-$200. You can also redeem your cash rewards for a check or a gift card.

Should you apply for a Spark Cash card now?

While the sign-up bonuses on the Spark Cash cards are not the highest they have ever been, they are still competitive with other business rewards cards. Since neither card had offered a limited-time bonus before, it is unclear whether a similar offer will take place in the future. If you are looking for a way to earn rewards on your business spending, now is still a good time to sign-up.

See relatedCapital One to launch travel transfer partners for Venture cardholders in December, Capital One unveils upgraded Savor® card with $500 bonus, Redeeming your credit card rewards for moments and experiences

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Published: November 14, 2018

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Credit Card Rate Report Updated: August 14th, 2019
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