SPARK CASH SELECT CREDIT CARD

Capital One Spark Business Credit Card Review – Rewards and Benefits

Welcome, Business Owners!

Hello Friends, as business owners, we always look for ways to make our business run smoother and our income streams more reliable. One way to achieve this is to have a reliable credit card that supports our business needs. Today, we’ll be discussing the Capital One Spark Business Credit Card and the rewards and benefits that come with it.

Rewards for using the Capital One Spark Business Credit Card

The Capital One Spark Business Credit Card comes with great rewards that make it an essential tool for any small business. The card has a variable Annual Percentage Rate (APR) ranging between 13.24% and 19.24% depending on creditworthiness. The APR for cash advances is 22.24%. Cardholders earn unlimited 2% cash back on the amount they spend on eligible purchases. This means every time you use this card to shop, dine or travel, you receive a 2% reward on your spending. Business owners also get a one-time welcome bonus of $500 cash if they spend $4,500 on purchases in the first 3 months from opening the account. This is a great reward that you can use to jumpstart the growth of your business.

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The Benefits of using the Capital One Spark Business Credit Card

The Capital One Spark Business Credit Card comes with plenty of benefits designed to support the needs of small business owners. Here are some of the benefits you get from using this card:

  1. You get free employee cards that can be controlled from your account dashboard. This feature allows you to set limits on employee spending and keep track of who is using the card and for what purpose.
  2. The card also comes with free fraud liability coverage, which means you’ll be held responsible for fraudulent purchases made with the card.
  3. You’ll get extended warranty coverage that doubles the original manufacturer’s warranty up to one additional year, on eligible warranties of three years or less.
  4. The card is also great for travel with no foreign transaction fees, auto rental collision damage waiver, and travel accident coverage for covered accidents and more.
  5. You’ll have access to automatic payments and monthly spending reports that enable you to track all your expenses, collect your company’s money more quickly, and pay your bills on time.

Capital One Spark Cash for Business Credit Card and Spark Cash Select Credit Card

There are two types of Capital One Spark Business Credit Cards – Spark Cash and Spark Cash Select. The main difference between the two cards is the cash back reward rate and the annual fee. The Spark Cash card offers unlimited 2% cash back on all purchases and no annual fee for the first year. After that, the annual fee is $95. The Spark Cash Select card offers unlimited 1.5% cash back on all purchases and no annual fee. Here’s a quick comparison of the two cards:

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Card Name Unlimited Cash Back Rewards Annual Fee
Spark Cash 2% on all Purchases $95, starting second year
Spark Cash Select 1.5% on all Purchases No Annual Fee

Conclusion

In conclusion, the Capital One Spark Business Credit Card is a great tool that can help any small business owner. With unlimited 2% cash back on all purchases and a welcome bonus of $500 after spending $4,500 in the first three months, the Spark Cash Card or Spark Cash Select Card is a smart choice for small businesses. The additional benefits offered by both credit cards, including free employee cards and monthly spending reports, makes this credit card a comprehensive solution for small business owners. So, don’t delay, get your Capital One Spark Business Credit Card today and start earning rewards while growing your business.

Thank you for taking the time to read this review, and we hope you find it valuable. Please do check out our other articles for more insights and information on business-related topics.

SPARK CASH SELECT CREDIT CARD

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