Spark Cash Business Visa
Calculate how much cash back you can earn and the cash value of the Capital One Spark Cash Visa Card based on monthly/yearly spend, benefits, and fees.
The Spark Cash Business Visa Card is straight forward 2% cash back earning Capital One Credit Card. It offers easy to use, basic redemptions while supplying standard business card perks such as end-of-year summaries. While it has no annual fee the first year and can provide a solid 2% return, the second year's annual fee cuts the value of the card down tremendously if you're not a heavy business spender. If you plan on running less than $19,000 in spend per year on this card, you're better off picking up the 1.5 cash back Capital One Spark Cash Select Visa.
The Capital One Spark Visa Card does not feature any bonus categories. Instead, it earns cash back at a flat rate per $1 spent. There is no limit to the amount of cash back you can earn with the Spark Visa Card.
2% All Purchases
The Visa Spark Credit Card earns an unlimited 2% cash back per $1 spent on all purchases. As with most 2% cash back business cards, there's an annual fee associated with the card which means you have to consider how much spend you will put through the card in order to make the best decision between this card and choosing a 1.5% cash back card. For this Visa Spark card, the amount of spend is $19,000. This card will not be worth the 2% cash back earnings if you spend less than that per year.
Perks and Benefits
Standard Visa Business Card Benefits
The Capital One Spark Cash Business Visa Card offers quarterly and year-end summaries. It also comes with Visa Business Benefits which comes with auto rental collision damage waiver, purchase security and extended protection, travel and emergency assistance services and more. Their Visa Guide To Benefits lists all the specific details.
Sign Up Bonus
The standard sign up bonus for the Capital One Spark Cash Business Visa Card is a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months from account opening.
Credit Card Fees
|Authorized User Fee|
|Foreign Transaction Fee|
The annual fee for the Spark Cash Business Visa is $0 the first year, then $95 after that. This will bring down the value of your card, but if you run more than $19,000 in spend through this Capital One card per year then this card will be the better choice out of the available Visa Spark cash back cards.
Authorized User Fee
There is no fee to add authorized users to the Spark Cash Business Visa. I would recommend adding employees, family, or friends to the card in order to make the annual fee worth it.
Foreign Transaction Fee
There is no foreign transaction fee for the Spark Cash Business Visa meaning you can use the card outside of the United States without being penalized.
You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.
All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.
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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.
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