Capital One offers a variety of personal cards, some of which rank high on our list, but the issuer also offers cards for.
These cards are called Spark cards and can help you earn cash back or Capital One miles.
There are currently six Spark cards available: Capital One Spark Cash, Capital One Spark Cash Plus, Capital One Spark Cash Select, Capital One Spark Miles for Business, Capital One Spark Classic for Business*, and Capital One Spark Miles Select for Business*.
Many cards have similar names and rewards rates, so let’s take a closer look at the differences and explore the cards and their welcome offers.
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The information about the Capital One Spark Classic for Business and Spark Miles Select for Business has been collected independently by The Points Guy. The card details on this page have not been verified or provided by the card issuer.*
Compare Capital One Spark Business Cards
| Capital One Spark Cash | Capital One Spark Cash Plus | Capital One Spark Cash Select | Capital One Spark Classic | Capital One SparkMiles | Capital One Spark Miles Select | |
|---|---|---|---|---|---|---|
| Annual fee | No annual fee for the first year, then $95 | $150 | $0 | $0 | No annual fee for the first year, then $95 | $0 |
| Welcome Promotion | Get $750 cash back after you spend $7,500 in the first three months after opening your account. | Get $2,000 cash back after you spend $30,000 in the first three months, plus $2,000 bonus for every $500,000 you spend in your first year of card ownership. | Get $500 cash after you spend $4,500 in the first three months after opening your account. | Not available | Get 50,000 bonus miles after you spend $4,500 in the first 3 months after opening your account. | Get 50,000 bonus miles after you spend $4,500 in the first 3 months after opening your account. |
| Rate of return | 5% cash back on hotel and car rental bookings through Capital One Travel2% cashback on all other purchases | 5% cash back on hotel and car rental bookings through Capital One Travel2% cashback on all other purchases | 5% cash back on hotel and car rental bookings through Capital One Travel1.5% cash back on all other purchases | 5% cash back on hotel and car rental bookings through Capital One Travel1% cash back on all other purchases | Earn 5 miles per dollar when booking hotels or car rentals through Capital One Travel.2 miles per dollar on all other purchases | Earn 5 miles per dollar when booking hotels or car rentals through Capital One Travel.1.5 miles per dollar on all other purchases |
| Foreign transaction fees | Not available | Not available | Not available | Not available | Not available | Not available |
| advantage | Business expense management tool | No spending limits are set.Annual fee waived if cardholder spends $150,000 per yearBusiness expense management tool | Business expense management tool | Extended warranty protectionFree employee cardBusiness expense management tool | Global Entry/TSA PreCheck Application Fee Statement CreditBusiness expense management tool | Global Entry/TSA PreCheck Credit up to $120 every 4 yearsFree employee cardBusiness expense management tool |
Capital One Spark Business Card
Capital One Spark Cash
If you’re a cash back fan and are looking for a card that can give you at least 2% cash back on every purchase, you’ll want to check out the Capital One Spark Cash.
Welcome Bonus: Get $750 cash after you spend $7,500 within the first 3 months of opening your account.
Annual fee: $0 for first year, $95 for subsequent years
Rewards: Get 5% cash back on hotel and car rental bookings through Capital One Travel and 2% cash back on other purchases.
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Who should apply? Spark Cash has no annual fee for the first year, but there is a $95 annual fee after that. Anyone who wants to earn cash back and redeem it for any amount they want, whenever they want, should consider this card, as it allows you to recoup your expenses and quickly reinvest them back into your account.
While this card doesn’t offer any fancy rewards, it’s incredibly easy to use and guarantees at least 2% cash back on every purchase.
The Spark Cash card doesn’t earn you transferable Capital One miles, but if you have a Capital One card that earns miles, like the Capital One Venture X Business, and it’s linked to a Capital One login, you can convert your cash back into miles.
Details: Capital One Spark Cash
Capital One Spark Cash Plus
If you have large monthly expenses, you should consider using Spark Cash Plus.
Welcome Bonus: Get $2,000 cash back after you spend $30,000 in the first three months, plus an additional $2,000 in bonus cash for every $500,000 you spend in your first year of card membership.
This is the best welcome offer we’ve ever seen for this card.
Annual Fee: $150
Rewards: Get unlimited 5% cash back on hotels and car rentals through Capital One Travel and 2% cash back on other purchases.
Who should apply? The Spark Cash Plus has a $150 annual fee. High spenders should consider this card because it offers a lucrative welcome bonus with unlimited earning potential in the first year. Plus, the annual fee is waived if you spend more than $150,000 in a calendar year.
Read our full Capital One Spark Cash Plus review to learn more.
Capital One Spark Cash Select
If you’re looking for a simple cash back card, consider the Spark Cash Select.
Welcome Bonus: Get $500 cash after you spend $4,500 within the first 3 months of opening your account.
Annual Fee: $0
Rewards: Get unlimited 5% cash back on hotels and car rentals through Capital One Travel and 1.5% cash back on other purchases.
Who should apply? The Spark Cash Select has no annual fee, no foreign transaction fees, and a simple, easy-to-remember rewards rate. Cardholders looking to earn at least 1.5% cash back on all purchases should consider this card.
Read our full Capital One Spark Cash Select review to learn more.
Capital One Spark Classic Cash
If yours doesn’t meet the requirements for a better business card, the Spark Cash Classic* is a good option that lets you earn rewards on every purchase.
Who should apply? The Spark Cash Classic* has no annual fee. It’s a great starter card for those looking to build credit. However, if you’re an established credit cardholder, you might want to consider a different Spark card. This card offers up to 2x cash back on all purchases.
Capital One SparkMiles
If you’re an avid traveler, you’ll want to take a closer look at Spark Miles cards, such as the Spark Miles for Business.
Welcome Bonus: Earn 50,000 bonus miles after you spend $4,500 in the first 3 months of account opening. This offer is worth $925 based on TPG’s November 2024 valuations.
Annual fee: $0 for first year, $95 for subsequent years
Rewards: Earn 5 unlimited miles per dollar on hotel and car rental bookings through Capital One Travel, plus 2 miles per dollar on other purchases.
Who should apply? Anyone who wants to earn at least 2 miles per dollar on every purchase will be interested in this card. The card comes with a statement credit toward your Global Entry or TSA PreCheck application fee, making airport security a breeze.
Spark Miles for Business offers great benefits by transferring miles to one of Capital One’s 15+ transfer partners. Plus, the card comes with an extended warranty for added convenience.
Read our full Capital One Spark Miles for Business review to learn more.
Capital One Spark Miles Select
If you don’t think the regular Spark Miles for Business program is right for you, consider the Spark Miles Select program*.
Welcome Bonus: Earn 50,000 bonus miles after you spend $4,500 in the first 3 months of account opening. This offer is worth $925 based on TPG’s November 2024 valuations.
Annual Fee: $0
Rewards: Earn 5 unlimited miles per dollar on hotel and car rental bookings through Capital One Travel, plus 1.5 miles per dollar on other purchases.
Who should apply? The Spark Miles Select has no annual fee and all miles earned on the card are transferable, making it appealing to frequent business travelers. If your goal is to avoid paying an annual fee, this is a solid and simple option, but if you have a higher annual expense, the Spark Miles for Business may be a better fit.
With an attractive welcome bonus, now is the perfect time to consider adding the Spark Business card to your wallet.
Which Capital One Spark Card is Right for You?
When choosing the right Spark card for you, you should first ask yourself two questions:
- Want to earn cashback or miles?
- Are you willing to pay the annual fee?
Answering these questions will make it easier to find the card that’s right for you: If you want cash back, choose the Spark Cash card, and if you want miles, choose the Spark Miles card.
When it comes to annual fees, the Spark card with an annual fee earns you at least 2% cash back or 2 miles per dollar on every purchase, while the card with no annual fee earns you at least 1% cash back or 1 mile per dollar. If you’re a high annual spender, we recommend choosing the card with the highest rewards rate, as you’ll likely be able to recoup the cost of the annual fee with cash back or miles earned.
Can I own more than one Capital One Spark credit card?
Yes, you can have multiple Spark cards at once. Keep in mind that you can only apply for one Capital One card every six months, so make sure to space out your applications over a reasonable period of time.
What is the Capital One Spark credit limit?
The Capital One Spark Cash has no set spending limit. For other Spark cards, credit limits vary by card but can range from $2,000 to $60,000.
What is the Capital One Spark Card?
The Capital One Spark card is either a Visa or Mastercard, depending on which card product you have.
Does Capital One Spark collect my credit information?
Capital One will check your personal credit report when you apply for the Spark card, and while TPG’s recommended credit score for most Spark cards is 740 or higher, you can get approved with a lower credit score.
If you apply for the Spark Classic* card, you’ll be approved if your credit is good enough, as this card is designed for business card beginners. The Spark Miles card also reports to your personal credit file, but the Spark Cash card does not.
What is the minimum credit limit with Capital One Spark?
According to Datapoint, the Spark Card has a minimum credit limit of $2,000. Spark Cash and Spark Miles for Business can have credit limits of up to $60,000. Note that Spark Cash Plus does not have a pre-set limit.
Similar to Capital One’s personal cards, combining two (or more) Spark cards that offer the most miles and rewards on spending can help you get the most out of your rewards strategy, and can also be a great way to separate spending and personal.
If you plan on applying for one or more of these cards, we generally recommend applying for one personal card and one with Capital One within 60 days. If you are denied, you can always call the reconsideration line to get your application approved. The Spark card can be a great value-add to your account because it is so easy and flexible to earn and redeem rewards.
