Spark 2% Cash

Sign-up bonuses

• Earn a $1,000 cash bonus when you spend $10,000 in the first 3 months.

Rewards

• Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.
• Earn Unlimited 5% cash back on hotels and rental cars booked through our travel booking site.

Other features

• Business-Grade Capabilities
• Empower your team to make purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, pay your vendors with ease.
• Automatic payments
• Set up AutoPay so you don’t have to worry about signing into your account every month.
• $0 fraud liability
• If your card is lost or stolen, you can get an emergency replacement and a cash advance.
• Year-end summaries
• Get an itemized report of your spending to simplify budgeting and tax time.
• Account managers
• Assign an account manager to make purchases and payments, review transactions and resolve any problems.
• Purchase records
• Quickly and securely download your purchase records into multiple formats including Quicken, QuickBooks and Excel.
• Virtual card numbers
• Make safer payments online without exposing your actual card number with merchants.
• Choose your due date
• Pick your own monthly due date. Your business has the control to pay when you want.
• Transaction details
• Stay on top of your purchases. You can find merchant information like an address, logo, phone number and map, when available.
• Recurring transactions
• View a list of merchants that charge your business card monthly like subscriptions and bills.
• Free employee cards
• Track employee spending while earning all the rewards from their purchases.
• Spend limits
• Set customized spending limits for employee cards and see transactions as soon as they post.
• No foreign transaction fees
• Pay zero foreign transaction fees on purchases made outside of the United States.
• Roadside assistance
• Our business cards offer services to help you during auto-related emergencies, such as jump-starting, tire changing and towing.
• Capital One Business Travel
• Save time and money with complimentary access to an all-in-one business travel management solution. Explore Capital One Business Travel.
• Account access
• Manage your account online or use the mobile app to get account activity alerts, see payment options, download past account statements and more.
• Security alerts
• Get notified via text, email and phone if Capital One notices potential suspicious transactions on your account.
• Fraud & security alerts
• Receive an email or text message alert if we detect a potential mistake or suspicious charge on your account.
• Card lock
• Lock your card or an employee’s if it has been misplaced, lost or stolen.
• Extended warranty
• Get free additional warranty and protection on eligible items that you purchase with your card.
• Customer support
• Our Capital One Business representatives are specially trained to work with business owners and are available to answer any questions you may have.

Additional Notes

Credit Level: Excellent