Capital One Spark
Capital One's small-business card line — simple flat-rate cash-back and miles cards underwritten the traditional way.
Overview
Capital One Spark is Capital One's small-business card line, built around flat-rate cash-back cards underwritten the traditional way. The lineup spans no-annual-fee options at $0 up to the flagship Spark Cash Plus at $150 per card per year. The flagship is a charge card, designed to be paid in full each cycle.
Rewards are kept simple: a flat 2% cash back on every purchase, with no category tiers to track. Cards include free employee and virtual cards and charge no foreign transaction fees on purchases made outside the United States. Capital One Financial is headquartered in McLean, VA and employs roughly 76,300 people.
Best for
- Small businesses that want a no-annual-fee entry point, with $0 options like Spark Cash Select alongside the paid flagship.
- Owners who prefer flat-rate simplicity: an unlimited 2% cash back on every purchase, with no spend categories to manage.
- Businesses with international spend, since there are no foreign transaction fees on purchases made outside the United States.
- Teams that need to distribute spend, with free employee and virtual cards included.
Less ideal for
- Owners who want to keep business liability separate from personal credit: the flagship is underwritten on the owner's personal credit and does not waive the personal guarantee.
- Businesses that want their card limit tied to cash balances or revenue rather than the owner's personal credit profile.
- Buyers who prefer a revolving card to carry a balance, since the flagship is a charge card meant to be paid in full each cycle.
Pricing
Card & limits
Rewards & cash back
Spend management
Security & compliance
Platform & integrations
Alternatives to Capital One Spark
Airbase Mid-market spend management — corporate cards with AP automation, expenses, and procurement; now part of Paylocity.
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American Express The incumbent business-card issuer — established Membership Rewards and premium perks across a broad charge and credit lineup.
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BILL Spend & Expense Formerly Divvy — free corporate cards with real-time budgets and expense automation for small and mid-sized businesses.
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