Capitol One gives an expansive suite of non-public playing cards, a few of that are on the high of our lists, however the issuer additionally gives a household of playing cards made for companies.
These playing cards are often called the Spark playing cards, they usually earn money again or Capital One miles.
You possibly can at present apply for six Spark playing cards: the Capital One Spark Money, Capital One Spark Money Plus, Capital One Spark Money Choose, Capital One Spark Miles for Enterprise, Capital One Spark Traditional for Enterprise, and Capital One Spark Miles Choose for Enterprise.
Lots of the playing cards have related names and incomes charges, so let’s dive into the variations and study the playing cards and their welcome gives.
The data for the Capital One Spark Traditional for Enterprise and Spark Miles Choose for Enterprise has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Comparability of the Capital One Spark enterprise playing cards
| Capital One Spark Money | Capital One Spark Money Plus | Capital One Spark Money Choose | Capital One Spark Traditional for Enterprise | Capital One Spark Miles for Enterprise | Capital One Spark Miles Choose for Enterprise | |
|---|---|---|---|---|---|---|
| Annual price | $0 introductory annual price within the first yr; $95 thereafter (see charges and costs) | $150 (see charges and costs) | $0 (see charges and costs) | $0 | $0 introductory annual price within the first yr; $95 thereafter (see charges and costs) | $0 |
| Welcome provide | Earn $750 money again after spending $7,500 throughout the first three months from account opening.
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Earn $2,000 money again after spending $30,000 within the first three months. Plus, earn an extra $2,000 money bonus for each $500,000 spent throughout the first cardmember yr. | Earn $500 money again after spending $4,500 throughout the first three months from account opening.
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None | Earn 50,000 bonus miles after spending $4,500 throughout the first three months from account opening. | Earn 50,000 bonus miles after spending $4,500 throughout the first three months from account opening. |
| Incomes charges |
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| International transaction charges | None (see charges and costs) | None (see charges and costs) | None (see charges and costs) | None | None (see charges and costs) | None |
| Advantages |
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Capital One Spark enterprise playing cards
Capital One Spark Money
If you happen to’re a cash-back fan searching for a card that earns not less than 2% on all purchases, take a look at the Capital One Spark Money.
Welcome bonus: Earn $750 money again after spending $7,500 throughout the first three months from account opening.
Annual price: $0 within the first yr; $95 thereafter (see charges and costs)
Rewards: Earn 5% money again on motels and rental automobiles booked by Capital One Journey and a couple of% money again on all different purchases.
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Who ought to apply? The Spark Money has no annual price for the primary yr, then it carries a $95 annual price (see charges and costs). These trying to earn money again and redeem any quantity at any time ought to contemplate this card, as you possibly can recoup your bills and make investments them proper again into your small business.
Whereas the cardboard does not have any standout advantages, it’s extremely easy to make use of and ensures you will earn not less than 2% money again on all purchases.
The Spark Money card does not earn transferable Capital One miles. Nonetheless, you possibly can convert your money again to miles for those who maintain an eligible miles-earning Capital One card just like the Capital One Enterprise X Enterprise, and they’re linked below one Capital One login.
The Spark Money seemingly will not attraction to journey rewards lovers however might be engaging to those that need a easy but profitable card.
To study extra, learn our full overview of the Capital One Spark Money.
Apply right here: Capital One Spark Money
Capital One Spark Money Plus
If your small business spends rather a lot every month, contemplate the Spark Money Plus.
Welcome bonus: Earn $2,000 money again after spending $30,000 within the first three months. Plus, earn an extra $2,000 money bonus for each $500,000 spent throughout the first cardmember yr.
That is the most effective welcome provide now we have ever seen on this card.
Annual price: $150 (see charges and costs)
Rewards: Earn a vast 5% money again on motels and rental automobiles booked by Capital One Journey and a couple of% money again on all different purchases.
Who ought to apply? The Spark Money Plus carries a $150 annual price (see charges and costs). Companies with a whole lot of spending ought to contemplate this card for its profitable welcome bonus, which has limitless bonus-earning potential within the first yr. Plus, for those who spend $150,000 or extra in a calendar yr, the annual price is waived (see charges and costs).
To study extra, learn our full overview of the Capital One Spark Money Plus.
Apply right here: Capital One Spark Money Plus
Capital One Spark Money Choose
If a easy cash-back card is in your crosshairs, contemplate the Spark Money Choose.
Welcome bonus: Earn $500 money again after spending $4,500 throughout the first three months from account opening.
Annual price: $0 (see charges and costs)
Rewards: Earn a vast 5% money again on motels and rental automobiles booked by Capital One Journey and 1.5% money again on all different purchases.
Who ought to apply? The Spark Money Choose has easy, easy-to-remember incomes charges with no annual price or overseas transaction charges (see charges and costs). Enterprise house owners trying to earn not less than 1.5% money again on all purchases ought to contemplate this card.
To study extra, learn our full overview of the Capital One Spark Money Choose.
Apply right here: Capital One Spark Money Choose
Capital One Spark Money Traditional
If your small business does not qualify for a greater enterprise card, the Spark Money Traditional is a good choice for incomes rewards on each buy.
Welcome bonus: None
Annual price: $0
Rewards: Earn a vast 5% money again on motels and rental automobiles booked by Capital One Journey and 1% money again on all different purchases.
Who ought to apply? The Spark Money Traditional has no annual price. It’s a nice starter card for companies trying to construct their credit score historical past. Nonetheless, in case you are a enterprise proprietor with a extra established credit score profile, you must go for one other Spark card, as you possibly can earn as much as double the money again this card gives on all purchases.
Capital One Spark Miles for Enterprise
Journey lovers will need to take a more in-depth have a look at one of many Spark Miles playing cards, just like the Spark Miles for Enterprise.
Welcome bonus: Earn 50,000 bonus miles after spending $4,500 throughout the first three months from account opening. This provide is price $925 based mostly on TPG’s November 2024 valuations.
Annual price: $0 within the first yr; $95 thereafter (see charges and costs)
Rewards: Earn a vast 5 miles per greenback spent on motels and rental automobiles booked by Capital One Journey and a couple of miles per greenback spent on all different purchases.
Who ought to apply? These trying to earn not less than 2 miles per greenback spent on all purchases will likely be intrigued by this card. The cardboard comes with an announcement credit score to your World Entry or TSA PreCheck utility price, which may make airport safety a breeze.
With the Spark Miles for Enterprise, you may get nice worth transferring miles to certainly one of Capital One’s 15-plus switch companions. Moreover, the cardboard comes with prolonged guarantee safety, which might be helpful to enterprise house owners.
To study extra, learn our full overview of the Capital One Spark Miles for Enterprise.
Apply right here: Capital One Spark Miles for Enterprise
Capital One Spark Miles Choose for Enterprise
If the common Spark Miles for Enterprise does not look like the fitting match for your small business, contemplate the Spark Miles Choose as a substitute.
Welcome bonus: Earn 50,000 bonus miles after spending $4,500 throughout the first three months from account opening. This provide is price $925 based mostly on TPG’s November 2024 valuations.
Annual price: $0
Rewards: Earn a vast 5 miles per greenback spent on motels and rental automobiles booked by Capital One Journey and 1.5 miles per greenback spent on all different purchases.
Who ought to apply? The Spark Miles Choose has no annual price and can seemingly attraction to enterprise house owners who often journey as the cardboard earns absolutely transferable miles. In case your objective is to pay no annual price, it is a strong and easy choice, however in case you have excessive annual spending, you might be higher fitted to the Spark Miles for Enterprise.
Study extra: Capital One Spark Miles Choose for Enterprise
Now is a superb time to think about including a Spark Enterprise card to your pockets, as they’re providing nice welcome bonuses.
Which Capital One Spark card is best for you?
When selecting which Spark card is correct for your small business, you need to first ask your self two questions:
- Do you need to earn money again or miles?
- Are you keen to pay an annual price?
When you reply these questions it’s straightforward to search out the fitting card for you. If you wish to earn money again, go for a Spark Money card, and if you wish to earn miles, go for a Spark Miles card.
With reference to annual charges, the Spark playing cards with annual charges earn not less than 2% money again or 2 miles per greenback spent on all purchases, whereas the no-annual-fee playing cards earn not less than 1% money again or 1 mile per greenback. If your small business has a whole lot of annual spending, I like to recommend choosing the cardboard with the highest incomes charges, as you’ll seemingly recoup the price of the annual price in bonus money again or miles earned.
Associated: Enterprise playing cards vs. private playing cards: Key variations
Can I’ve greater than 1 Spark bank card from Capital One?
Sure, you possibly can have a couple of Spark card on the identical time. It is vital to notice you possibly can solely apply for one Capital One card each six months. Contemplating that, make certain to unfold your functions out over an extended sufficient time interval.
Associated: The final word information to bank card utility restrictions
What’s the credit score restrict for Capital One Spark?
The Capital One Spark Money doesn’t have a preset spending restrict. With the opposite Spark playing cards, credit score limits can vary from $2,000 to $60,000, relying on the particular card.
What sort of card is Capital One Spark?
Capital One Spark playing cards might be both Visa or Mastercard. It relies on which card product you may have.
Does Capital One Spark pull private credit score?
Capital One does have a look at your private credit score report if you apply for a Spark card. The TPG-recommended credit score rating for many of the Spark playing cards is not less than 740; nonetheless, it’s potential to get accepted with a decrease credit score rating.
If you happen to’re making use of for the Spark Traditional card, you may get accepted with truthful credit score, as that card is geared towards companies getting began with enterprise playing cards. The Spark Miles playing cards additionally report back to your private credit score profile, however the Spark Money playing cards don’t.
Associated: What credit score rating do you want for enterprise bank cards?
What’s the minimal credit score restrict for Capital One Spark?
Datapoints present the minimal credit score restrict for Spark playing cards is $2,000. We’ve got seen credit score limits as excessive as $60,000 on the Spark Money and Spark Miles for Enterprise. You will need to notice there is no such thing as a preset restrict with the Spark Money Plus.
Associated: Methods to get a enterprise bank card
Backside line
As with Capital One’s private playing cards, you possibly can maximize your rewards technique by combining two (or extra) Spark enterprise playing cards that give you essentially the most miles and advantages for your small business spending. It will also be a good way to separate enterprise and private bills.
If you happen to plan to use for a number of of those playing cards, it is typically really helpful that you just apply for no a couple of private and one enterprise card with Capital One in a 60-day window. If you happen to’re denied, you possibly can at all times name the reconsideration line to attempt to get your utility accepted. The Spark enterprise playing cards could be a welcome addition to your small business as they provide simplicity and suppleness with incomes and redeeming rewards.
Associated: Methods to apply for a Capital One enterprise bank card
For Capital One merchandise listed on this web page, among the advantages could also be supplied by Visa® or Mastercard® and will range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
