Best business card for fixed rate cash back

It can be difficult to manage a business and maximize your expenses to earn awards. The Capital One Spark Cash for Business makes earning cash back simple and allows for your employees to earn you cash back as well. (Partner offer)

At a glance

  • 2% Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.
$500
Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
20.99% (Variable)
29.40% (Variable)
26.99% (Variable)
Not Offered
N/A
N/A
$0 intro for first year; $95 after that
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions

At a glance

  • 2% Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.
$500
Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
20.99% (Variable)
29.40% (Variable)
26.99% (Variable)
Not Offered
N/A
N/A
$0 intro for first year; $95 after that
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Purchase above your credit limit with no hassle and no over-limit fees
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

Our Take

TPG Editor's Rating

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3.5/5

Overview

The Capital One Spark Cash for Business earns a fixed rate 2% cash back on purchases. Business cards are a great way to get a return on purchases and gain perks such as purchase protections and accounting tools. While this card doesn’t have bonus categories, the fixed rate makes it an ideal choice for those who want an easy way to earn cash back.

Pros

  • No foreign transaction fees so you can use this card abroad
  • Free employee cards, which also earn unlimited 2% cash back
  • Rewards don't expire and you can redeem cash back for any amount

Cons

  • Other cards have category bonuses up to 5x
  • $95 annual fee, although the first year is waived

Who is this card good for?

This card is great for business owners who are looking for an effortless way to earn cash back. The fixed 2% cash back of Capital One Spark Cash for Business takes the guesswork out of redeeming points for maximum value. Businesses that spend little on office supplies or travel related expenses will benefit here as there aren’t bonus categories that cater towards those areas.

Earning Rewards

With the Capital One Spark Cash for Business you’ll earn a fixed 2% cash back. You can also get employee cards at no additional cost and you’ll earn 2% cash back on their spending as well.

Frequently asked questions

  • What are some of the perks that come with the Capital One Spark Cash for Business?

    Besides earning 2% cash back on purchases, the Capital One Spark Cash for Business also offers rental car insurance, purchase protection, extended warranty protection, lost luggage protection and importantly, no foreign transaction fee. This card also can help you manage your business with end of year itemized spending reports.

  • Is the Capital One Spark Cash for Business Worth it?

    While other cards may come with lots of ways to earn rewards, this card is an easy way for business owners who may not have the time to track rotating categories to still get a return on purchases. Although this is a cash-back card, it still has a lot of great perks such as no foreign transaction fees and business management tools.