{"id":256272,"date":"2026-08-07T20:00:39","date_gmt":"2026-08-07T20:00:39","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2026\/08\/07\/your-guide-to-the-capital-one-spark-business-credit-cards-the-points-guy\/"},"modified":"2026-08-07T20:00:39","modified_gmt":"2026-08-07T20:00:39","slug":"your-guide-to-the-capital-one-spark-business-credit-cards-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2026\/08\/07\/your-guide-to-the-capital-one-spark-business-credit-cards-the-points-guy\/","title":{"rendered":"Your guide to the Capital One Spark Business credit cards – The Points Guy"},"content":{"rendered":"


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Capital One offers an expansive suite of personal cards, some of which are at the top of our lists, but it also offers a family of cards designed for businesses<\/a><\/span>.<\/p>\n

These cards are known as the Spark cards, and they earn cash back.<\/p>\n

You can currently apply for three Spark cards: the Capital One Spark Cash Plus<\/a><\/span>, Capital One Spark Cash<\/a><\/span> and the Capital One Spark Cash Select<\/a><\/span>.<\/p>\n

With these cards’ similar names and earning rates, let’s dive into the differences and examine the cards and their welcome offers<\/a><\/span>.<\/p>\n

Comparison of the Capital One Spark business cards<\/h2>\n
\n\n\n\n\n\n\n\n
Card name<\/strong><\/th>\nWelcome bonus<\/strong><\/th>\nKey benefits<\/strong><\/th>\nAnnual fee<\/strong><\/th>\n<\/tr>\n<\/thead>\n
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Earn a one-time $2,000 cash bonus, and for a limited time, earn a $500 Capital One Business Travel credit after spending $30,000 on purchases within the first three months of account opening. Plus, earn an additional $2,000 cash bonus for every $500,000 spent during the first year.<\/span><\/p>\n<\/td>\n

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<\/p>\n
    \n
  • Complimentary employee cards<\/li>\n
  • No foreign transaction fees<\/li>\n
  • No preset spending limit<\/li>\n
  • Receive a refund of your $150 annual fee if you spend $150,000 or more on the card in one year<\/li>\n
  • Earn 5% cash back on hotels and rental cars booked through Capital One Business Travel and an\u00a0unlimited 2% cash back on all other purchases.<\/li>\n<\/ul>\n

    <\/span><\/div>\n<\/td>\n

\n

$150<\/span><\/p>\n<\/td>\n<\/tr>\n

\n\n

Earn a $1,000 cash bonus, and for a limited time, earn a $250 Capital One Business Travel credit after spending $10,000 on purchases within the first three months of account opening.<\/span><\/p>\n<\/td>\n

\n
<\/p>\n
    \n
  • Complimentary employee cards<\/li>\n
  • No foreign transaction fees<\/li>\n
  • Earn 5% cash back on hotels and rental cars booked through Capital One Business Travel and an\u00a0unlimited 2% cash back on all other purchases.<\/li>\n<\/ul>\n

    <\/span><\/div>\n<\/td>\n

\n

$0 introductory annual fee for the first year, then $95<\/span><\/p>\n<\/td>\n<\/tr>\n

\n\n

Earn a $750 cash bonus after spending $6,000 on purchases within the first three months of account opening.<\/span><\/p>\n<\/td>\n

\n
<\/p>\n
    \n
  • No foreign transaction fees<\/li>\n
  • Earn 5% cash back on hotels and rental cars booked through Capital One Business Travel and an unlimited 1.5% cash back on all other purchases.<\/li>\n<\/ul>\n

    <\/span><\/div>\n<\/td>\n

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$0<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

Related: Complete guide to saving money with Capital One Offers<\/a><\/span><\/strong><\/p>\n

Capital One Spark Cash Plus<\/h2>\n

If your business spends a lot each month, consider the Spark Cash Plus.<\/p>\n

Welcome bonus<\/h3>\n

Earn a one-time $2,000 cash bonus, and for a limited time, earn a $500 Capital One Business Travel credit after spending $30,000 on purchases within the first three months of account opening. Plus, earn an additional $2,000 cash bonus for every $500,000 spent during the first year.<\/p>\n

Annual fee<\/h3>\n

This card charges a $150 annual fee.<\/p>\n

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THE POINTS GUY<\/figcaption><\/figure>\n

Rewards<\/h3>\n