Spark Cash Business Visa Card Calculator

Card Details & Capital One Cash Back Calculator
2% Cash Back

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 one of three cash back earning Spark Cards that Capital One Offers. It earns at a flat rate of 2% on all purchases making it the highest earning card in the family of Spark Cards and it's also the only Spark Cash card that has an annual fee though it is waived the first year. If you plan on running less than $19,000 per year or about $1,584 per month across the card, you'll want to take a step down to the Capital One Spark Cash Select which earns 1.5% cash back and has no annual fee.

Bonus Categories

The Spark Cash Business Card does not feature any bonus categories. You'll earn an unlimited 2% cash back per $1 spent across all purchases made on the card.

  • 2% All Purchases

Perks & Benefits

The Spark Cash Business Card doesn't have any benefits that are specific to the card itself, but you will receive Capital One Business benefits as well as Visa Business benefits.

  • Capital One & Visa Business Benefits
    • Year-End Summaries
    • Purchase Records w/ Export To Quicken, Quickbooks, and Excel
    • Ability To Assign Account Managers
    • Extended Warranty
    • Purchase Protection
    • Card Lock
    • Rental Collision Coverage
    • Travel Assistance

Sign Up Bonus (SUB)

The standard sign up bonus for the Spark Cash Business Card is a one-time $500 cash bonus after spending $5,000 on the card within the first 3 months from account opening.

Capital One has offered $2,000 sign up bonuses on the Spark Cash Business Card. It consists of the normal $500 sign up bonus along with the ability to earn an additional $1,500 after reaching a total spend of $50,000 within the first six months of opening the Spark Cash Business Card. If you have the means to run around $8,334 per month through the card, this is a superb sign up bonus as you'll earn a total of $2,000 cash back from the sign up bonus and $1,000 in cash back from running $50,000 in spend across the card.


Annual Fee

The annual fee for the Spark Cash Business Card is $0 the first year, then $95 after that. If you plan on spending more than $19,000 on this card per year then it will be the better choice over the Spark Cash Select which earns 1.5% cash back on all purchases.

Authorized User Fee

There is no fee to add authorized users to the Spark Cash Business Card. I would recommend adding employees, family, or friends to the card in order to help rake in the cash and to make the annual fee worth it.

Foreign Transaction Fee

There is no foreign transaction fee for the Spark Cash Business Card meaning you can use the card internationally without being penalized. If your business specializes in international spending and travel, this is a great choice.

and Card Value Calculator

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.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
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Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
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Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
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Cash Value
Cash value of total earnings based on currency worth.

Rakuten Rewards

$20 Bonus
Earn $20 or 2,000 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $20+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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