Capital One Spark Cash Card
$1,000 cash after you spend $10,000 in 3 months.
- Welcome offer
- Issuer's pagecapitalone.com
“Earn a $1,000 cash bonus when you spend $10,000 in the first 3 months.”
- Annual fee
- Issuer's pagecapitalone.com
“An introductory $0 annual fee—and $95 after that”
- Purchase APR
- Issuer's pagecapitalone.com
“24.49% variable APR.”
- Foreign transaction fee
- Issuer's pagecapitalone.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $240 | $145 |
| Typical spender | $600 | $505 |
| Heavy spender | $2,430 | $1,335 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: welcome bonus needs $10,000 in 3 months.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 95% of the 650 cards we track.
- Lower top APR than about 80% of the 128 cards on our Sign-up bonuses list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
$1,000 cash
After you spend $10,000 on purchases in your first 3 months.
The bonus is available by starting the application process from this page or clicking the Apply Now button on this page, and may not be available to existing or previous Capital One Business card holders.
How you earn
- 5%hotels
- 5%rental cars
- 2%Everything else
Rates and fees
| Annual fee | Issuer's pagecapitalone.com “An introductory $0 annual fee—and $95 after that” |
|---|---|
| Purchase APR | Issuer's pagecapitalone.com “24.49% variable APR.” |
| Foreign transactions | Issuer's pagecapitalone.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Complimentary access to Capital One Business Travel, an all-in-one business travel management solution.
- No foreign transaction fees on purchases made outside the United States.
- Roadside assistance services for auto-related emergencies, including jump-starting, tire changing, and towing.
- Free employee and virtual cards.
- Free employee cards allow the business to earn rewards on employee purchases.
- Customized spending limits for employee cards.
- $0 fraud liability; emergency replacement and a cash advance may be available if the card is lost or stolen.
- Fraud and security alerts by text, email, or phone.
- Virtual card numbers for online payments.
- Automatic payments through AutoPay.
- Year-end spending summaries.
- Account manager access.
- Downloadable purchase records in Quicken, QuickBooks, and Excel formats.
- Ability to choose a monthly due date.
- Transaction details and recurring-transaction views.
- Online account access and mobile app access.
- Extended warranty and protection on eligible purchases.
- Customer support from Capital One Business representatives.
- Extended warranty
Questions
- What is the annual fee?
- $0 annual fee for the first year, and then $95 after that capitalone.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. capitalone.com, since Sep 29, 2026
- What is the purchase APR?
- 24.49% APR capitalone.com, since Sep 29, 2026
- Is there a welcome bonus?
- $1,000 cash back after $10,000 in purchases in 3 months. capitalone.com, since Sep 29, 2026
- What credit do you need?
- Excellent capitalone.com, since Sep 29, 2026
Other cash back cards
- Costco Anywhere Visa Business Card by CitiCiti · about the same
- Costco Anywhere Visa Card by CitiCiti · about the same
- Alliant Visa Signature Credit Card with CashbackAlliant Credit Union · −$55 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).