Does the Capital One Spark Cash for Business have an annual fee?

Yes — $95 a year, according to the issuer information in our record.

Is the Capital One Spark Cash for Business worth it in the first year?

Using our illustration ($12,000 of yearly spending), the first year comes out around $145 before credits, including a welcome bonus valued at $0. Year two drops to about $145 before credits.

What credit do I need for the Capital One Spark Cash for Business?

Our record lists "Good to Excellent" credit as the typical target for the Capital One Spark Cash for Business. As a business card, the application also asks about the business. Capital One makes the final decision based on its own criteria.

Capital One Spark Cash for Business

Capital One

$95

Annual Fee

visaGood → Excellentbusinesscash-back19 days ago

Welcome Offer

(≈ $1000)Spend $10,000 within 3 months

Check issuer terms ↗

OpenCard analysis

Is the Capital One Spark Cash for Business right for you?

The Capital One Spark Cash for Business is a $95-a-year business cash-back card from Capital One. It earns a flat 2% on purchases. It needs to earn at least $95 more a year than a no-fee alternative to justify the fee.

Who it's for

✓ Business owners who want business spending on its own card
✓ People who want one rate (2%) everywhere without tracking categories

Who should skip it

— Travelers who prefer booking directly rather than through the issuer's travel portal
— Applicants without a business or business income
— Anyone who won't earn at least $95 a year more than a no-fee card

First-year value estimate

Welcome bonus

Rewards on spending

$240

Annual fee (year 1)

−$95

Year 1, before credits

$145

Year two, without the welcome bonus: about $145 before credits ($240 in rewards minus the $95 fee).

Assumptions

$12,000 a year of purchases at 2%, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
No welcome bonus is listed in our record, so none is counted.
Annual fee of $95 in year one and every year after.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-09-29.

How it compares

Bank of America Business Advantage Unlimited Cash Rewards Mastercard →

Bank of America, lower fee ($0 vs $95); earns 1.5% on everything.

IHG One Rewards Premier Business →

Chase, higher fee ($99 vs $95); earns 10% on IHG Hotels & Resorts.

Southwest Rapid Rewards Premier Business →

Chase, higher fee ($149 vs $95); earns 3% on Southwest Airlines Purchases.

Compare side by side →

Rules and gotchas

The welcome bonus requires $10,000 in 3 months — roughly $3,333 a month. That's more than the $1,000 a month in our illustration, so the bonus assumes about $2,333 a month of extra spending.

Frequently asked questions

Does the Capital One Spark Cash for Business have an annual fee?: Yes — $95 a year, according to the issuer information in our record.
What does the Capital One Spark Cash for Business earn?: A flat 2% on purchases.
Is the Capital One Spark Cash for Business worth it in the first year?: Using our illustration ($12,000 of yearly spending), the first year comes out around $145 before credits, including a welcome bonus valued at $0. Year two drops to about $145 before credits.
What credit do I need for the Capital One Spark Cash for Business?: Our record lists "Good to Excellent" credit as the typical target for the Capital One Spark Cash for Business. As a business card, the application also asks about the business. Capital One makes the final decision based on its own criteria.

Earning Rates

2×All purchasesUnlimited 2% cash back on every purchase.

5×Hotels and rental cars booked through Capital One Business Travel5% cash back on eligible Capital One Business Travel bookings.

Other Benefits

Employee cards

Employee cards available at no additional cost; terms apply.

No foreign transaction fees

No foreign transaction fees on purchases outside the U.S.

Insurance

Rental InsuranceUnknown

Sources

Last Updated: Sep 29, 2026