Spark Cash
Capital One
Spark Cash
Offer Strength
Above average$200 above typical value
Show breakdown
Estimated bonus value: ~$1,000
Base score: 52
Current $1,000 vs typical $800
Net value after annual fee: ~$905
Estimate based on our value hints; not financial advice.
Annual Fee
$95/yr
Spark Cash
Welcome Offer
Earn a $1,000 cash bonus after spending $10,000 in the first 3 months.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Bonus cooldown policy
Some cards appear to enforce a waiting period between bonuses. The cooldown varies by issuer — from 24 to 60 months depending on the card.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
2% cash back on every purchase (unlimited)
5% on hotels and rental cars via Capital One Business Travel
Key benefits
Unlimited 2% cash back on every purchase
Unlimited 2% cash back on every purchase
5% on hotels and rental cars via Capital One Business Travel
5% on hotels and rental cars via Capital One Business Travel
No foreign transaction fees
No foreign transaction fees
Perks
Free employee cards
Free employee cards
Spending management tools
Spending management tools
No foreign transaction fees
No foreign transaction fees
Good fit for
About this card
The Capital One Spark Cash is a business cash back card with a $95 annual fee. New cardholders can earn 1,000 cashback after spending $10,000 in 90 days.
Best for
small business owners
Key considerations
Low annual fee of $95 is easy to offset with benefits.
Downgrade Options
If you decide to cancel, consider product-changing to keep your account history.
Card analysis
Offer analysis
The current offer on the Spark Cash awards 1,000 cashback after spending $10,000 within 90 days of account opening.
Annual fee value
This card carries a $95 annual fee. Evaluate whether the sign-up bonus and ongoing rewards justify the cost based on your spending patterns.
In the first year, the sign-up bonus alone delivers approximately $905 in net value after the annual fee.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
Similar Cards
Spark Cash Plus
Capital One · $150/yr
Earn 2,000 cashback69/100
Spark Cash Select
Capital One · $0/yr
Earn 750 cashback49/100
Savor
Capital One · $0/yr
Earn 200 cashback25/100
SavorOne
Capital One · $39/yr
Earn 0 cashback
Get notified about new offers
We’ll let you know when card offers change or new cards drop.
By subscribing, you agree to receive card offer alerts and occasional newsletters. Unsubscribe anytime.