THE CARDTUNED DATABASE
Capital One Spark 2% Cash
Issuer: Capital One · Network: Visa
Unlimited 2% cash back on purchases
- Annual fee
- $95
- Foreign transaction fee
- $0
- Intro APR
- None
- Regular APR
- 24.49% variable APR.
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
Earn a $1,000 cash bonus after $10,000 in purchases within the first 3 months.
- Spending requirement
- $10,000 in purchases
- Time window
- First 3 months
Offer last checked: 2026-09-08
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 2% | Unlimited — cash back on purchases $0 intro annual fee first year, then $95 |
Additional benefits
• Earn a $1,000 cash bonus after $10,000 in purchases within the first 3 months
• Use free employee/virtual cards and business-management tools
Restrictions to know
The bonus may be unavailable to existing or previous Capital One Business cardholders. The $250 Business Travel credit offer ended September 7, 2026 and is not a current offer. The annual fee is $0 for the first year, then $95.
Who can apply
U.S. small-business application
Credit profile: Excellent