2 days ago
Capital One Spark Cash Card launches massive $1,500 welcome offer
CNN Underscored reviews financial products based on their overall value. We may receive a commission through our affiliate partners if you apply and are approved for a product, but our reporting is always independent and objective. This may impact how links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit to learn more. If your business has big expenses on the horizon, there's a new credit card offer that could put serious cash back in your pocket. Capital One is making a bold play for business owners with one of its biggest cash welcome bonuses yet. The Capital One Spark Cash Card is now offering $1,500 cash back after you spend $15,000 in the first three months. That's a 10% return right off the bat, before even factoring in the card's everyday rewards.
To qualify for the $1,500 welcome bonus, you must be a new applicant and spend $15,000 within the first three months from account opening. That's a steep threshold, but it can be an excellent opportunity for businesses with regular monthly expenses to earn significant cash back quickly.
Unlimited 2% cash back on every purchase
The Spark Cash Card offers straightforward, flat-rate rewards: 2% cash back on every purchase with no categories or restrictions. That consistency is great for business owners who don't want to juggle rotating categories or bonus activations. It's ideal for companies with high expenditures on non-bonus spend categories like inventory and advertising.
5% cash back on hotels and rental cars through Capital One
When you book hotels and rental cars through Capital One Travel, you'll earn 5% cash back. That's an easy way to boost your return on business travel. Combined with the card's flexible redemption options and the ability to pair with a Capital One Miles-earning card to unlock Capital One's 19 transfer partners, the Spark Cash can make for a great travel card too.
Modest annual fee and flexible rewards
The card has no annual fee for the first year, then a $95 fee each year after. There's no cap on earnings, and your rewards never expire as long as your account is open. Plus, as mentioned, if you hold a Capital One Miles card, you can move your Spark Cash rewards into your miles balance for more redemption flexibility.
If your business spends at least $5,000 per month and you want a simple, high-earning card without complicated hoops to jump through, the Spark Cash Card is worth serious consideration, especially while this elevated offer is available. However, if your business spending is more modest, or if you can't confidently hit the $15,000 threshold in three months, you may be better off with a different cash back or small business card.
Is the Capital One Spark Cash Card a good cash-back card for business?
Is the Capital One Spark Cash Card a good cash-back card for business?
Yes, it's particularly good for businesses that value simplicity. With a flat 2% cash back on every purchase and no limits or category tracking required, it's one of the most reliable cash-back cards for consistent earners.
What is the credit limit for the Capital One Spark Cash Card?
What is the credit limit for the Capital One Spark Cash Card?
Capital One doesn't publish specific credit limits. Your limit will depend on your creditworthiness, business revenue and other financial factors. Some users have reported receiving limits ranging from $10,000 to over $50,000.
What is the difference between Spark Cash and Spark Miles?
What is the difference between Spark Cash and Spark Miles?
The Spark Cash earns straightforward cash-back rewards, while the Capital One Spark Miles for Business earns miles that you can transfer to travel partners or redeem for travel through Capital One. Spark Cash is better for businesses that want statement credits or cash, while Spark Miles is best if you want to maximize travel value.
Kyle Olsen is a Capital One expert who reviews credit cards, loyalty programs and travel gear for CNN Underscored. With a background in making every point count and a passion for helping consumers make informed travel decisions, he's flown hundreds of thousands of miles, testing airline and hotel products around the world.
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
