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Capital One® SparkSM Cash for BusinessQuick Summary:
This is a Visa cash back rewards card issued by Capital One. This card is restricted to business owners with a nearly perfect credit history. You may need proof of business ownership or involvement before finalization of the card acceptance. APR's may vary among applicants, however the lowest standard APR is 13.9%* and may be as high as 20.9%* (V), depending on your credit worthiness*.Important Rates:
The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 5.4% to the U.S. prime rate.
There is an intro annual fee of $0, and a high annual fee of $59.* This is the usual case for introductory offers, or first year fee-free cards. Rewards:
This card is a cash back card, where you can expect cash rewards for your purchases. Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO credit score of 723 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. Other Basics:
The grace period listed for the Capital One® SparkSM Cash for Business is at least 25 days*. So interest charges will not be applied for purchases during those days. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date. You will normally need your basic business information, including your Federal tax I.D. number and business phone and address when applying for this offer. This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment. Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by
submitting your application results to assist other applicants before they apply for this card.
There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 723, then your chance of approval may be even greater. Approval Time:
Approval time for this offer is not listed. You could expect a possible instant decision, but you should expect a final credit decision within 1-2 weeks.
Offer Details:
- Earn 2% cash back on every purchase, every day
- Get a $100 cash bonus - just spend $1,000 on purchases within the first 3 months
- Receive a $50 cash bonus by signing up for one or more employee cards
- Enjoy award-winning small business customer service
- $0 intro annual fee for the first year; $59 after that
- Redeem cash rewards anytime, for any amount, even set up automatic redemption
- Earn unlimited cash rewards that don't expire
* Please see the credit card application for details about terms and conditions.
Reasonable efforts are made to maintain accurate information. However all credit
card information is presented without warranty.
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Business Card Rate Comparison
| APR | 13.9% - 20.9% (V) | | Avg. APR | 11.31%** | | Annual Fee | $0* | | Avg. Annual Fee | $362** | |
** APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee
average" contains the average of all fees in a specific category (Business cards), even where the fee is $0. This data is subject to Finance Globe's
terms and conditions.
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