Capital One Spark Cash credit card review!
Updated: Dec 16, 2020
This is the premium business cashback credit card offered by Capital One!
Annual Fee: $0 for the first year, $95 afterward
What type of earning do I get?
2% on all purchases with no limit
This card doesn’t have any major benefits that are worth raving about.
This is a no-fee credit card for the first year, but in reality, it still has a $95 annual fee from the second year onward. Even still, it offers a ton of value from the unlimited 2% cashback. While there are a few cards that earn more cashback if used properly, 2% is one of the highest-earning cashback cards. The card’s main competitor is the American Express Blue Business Cash credit card which has the same offering but has a $50,000 spend limit.
Additionally, the Spark will be a Visa credit card making it easier to use (just in case someone doesn’t accept American Express). If you are a small business just getting started, I’d highly recommend this credit card. In the long run, if you are going to be spending over $100,000 in two years, it is better to go with the Spark Cash over the American Express Blue Business because of no limits on cashback earnings and high spend.