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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 Capital One® Spark® Cash for Business comes with a generous $500 bonus if you spend $4,500 in the first three months. The Capital One® Spark® Cash Select for Business offers $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

The Spark Cash for Business card has offered some incredible, limited-time sign-up bonuses in its history – up to $1,500 more than it’s standard offering. However, the most recent offer expired in January 2020.

Spark Cash for Business Card Recent Changes

Jan. 28, 2020
$500 when you spend $4,500 in first 3 months
  • $500 when you spend $5,000 in first 3 months
  • Additional $1,500 when you spend $50,000 in first 6 months

The Spark Cash Select for Business, on the other hand, has not had any recent limited-time offers.

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?

The bonus on the Spark Cash for Business card is not the highest it has ever been, but it is still a pretty generous offer for an introductory bonus. Plus, the spend threshold is relatively low for a small business to meet.

As for the Spark Cash Select, the bonus is not quite as impressive. But since the card hasn’t offered a limited-time bonus before, it is unclear if it will have one in the future. If the Spark Cash Select matches your business spending, now is as good a time as ever to sign up for the card.

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The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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Credit Card Rate Report Updated: September 23rd, 2020
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