Business card · Capital One
Capital One Spark Cash
Spark Cash is the business cash back card: 2% cash back on everything, with a $95 annual fee as of 2026.
Card facts
| Issuer | Capital One |
|---|---|
| Network | Visa |
| Type | Business |
| Annual fee | $95 (as of 2026) |
| Rewards | 2% cash back on every purchase, with no spending limit on the flat rate. |
| Interest rate | Variable — the issuer's official page lists the current rate. |
Every fact above is taken from the sources listed below; anything no source states is left blank rather than guessed. Annual fees and rewards change — every figure on this page carries its year, and the issuer's official page is always the current one.
Rewards, in plain words
2% cash back on every purchase, with no spending limit on the flat rate.
Who it is built for
Built for businesses that want a flat cash back rate on everything they buy.
Current details — visit the official Capital One Spark Cash page. Annual fees, rewards and interest rates change; the issuer's own page is always the current one.
More cards from Capital One
Other cards from the same issuer in this library.
- BJ's One+ Mastercard · Retail · No annual fee (as of 2026)
- Capital One Platinum · Credit Building · No annual fee (as of 2026)
- Capital One Platinum Secured · Secured · No annual fee (as of 2026)
- Capital One Quicksilver · Cash Back · No annual fee (as of 2026)
- Capital One QuicksilverOne · Cash Back · $39 (as of 2026)
- Capital One Savor · Dining · $95 (as of 2026)
More Business cards
American Express Business Gold Card
4 points per dollar in the business's top two spending categories each billing cycle (up to $150,000 in combined purchases a year), 3 points per dollar on flights and prepaid hotels booked through American Express Travel, and 1 point per dollar on everything else.
American Express Business Platinum Card
5 points per dollar on flights and prepaid hotels booked through American Express Travel, 1.5 points per dollar on purchases of $5,000 or more (up to $2 million in purchases a year), and 1 point per dollar on everything else.
Bank of America Business Advantage Customized Cash Rewards
3% cash back in a category the business chooses (up to $50,000 in purchases a year), 2% cash back on dining, and 1% cash back on everything else.
Bank of America Business Advantage Travel Rewards
1.5 points per dollar on every purchase, and 3 points per dollar on travel booked through the Bank of America Travel Center.
Frequently asked questions
What is the Capital One Spark Cash?
Spark Cash is the business cash back card: 2% cash back on everything, with a $95 annual fee as of 2026.
Does the Capital One Spark Cash have an annual fee?
Yes — the annual fee is $95 (as of 2026).
What rewards does the Capital One Spark Cash earn?
2% cash back on every purchase, with no spending limit on the flat rate.
Who issues the Capital One Spark Cash?
The Capital One Spark Cash is issued by Capital One and runs on the Visa network.
Sources
- https://www.capitalone.com/small-business/ — Issuer's card list
- https://www.capitalone.com/small-business/credit-cards/spark-cash/ — Issuer's official card page
Page last updated 14 November 2026.