Capitol One affords an expansive suite of non-public playing cards, a few of that are on the prime of our lists, however the issuer additionally affords a household of playing cards made for companies.
These playing cards are often known as the Spark playing cards, and so they earn money again or Capital One miles.
You may at the moment 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.
Most of the playing cards have comparable names and incomes charges, so let’s dive into the variations and study the playing cards and their welcome affords.
The knowledge 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 charge | $0 introductory annual charge within the first yr; $95 thereafter (see charges and costs) | $150 (see charges and costs) | $0 (see charges and costs) | $0 | $0 introductory annual charge within the first yr; $95 thereafter (see charges and costs) | $0 |
| Welcome supply | Earn $750 money again after spending $7,500 inside 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 inside the first three months from account opening.
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None | Earn 50,000 bonus miles after spending $4,500 inside the first three months from account opening. | Earn 50,000 bonus miles after spending $4,500 inside the first three months from account opening. |
| Incomes charges |
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| Overseas 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
Should you’re a cash-back fan in quest of a card that earns no 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 inside the first three months from account opening.
Annual charge: $0 within the first yr; $95 thereafter (see charges and costs)
Rewards: Earn 5% money again on resorts and rental automobiles booked by means of Capital One Journey and a pair of% money again on all different purchases.
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Who ought to apply? The Spark Money has no annual charge for the primary yr, then it carries a $95 annual charge (see charges and costs). These seeking to earn money again and redeem any quantity at any time ought to think about this card, as you may recoup your bills and make investments them proper again into your online business.
Whereas the cardboard does not have any standout advantages, it’s extremely easy to make use of and ensures you will earn no less than 2% money again on all purchases.
The Spark Money card does not earn transferable Capital One miles. Nevertheless, you may convert your money again to miles in the event you maintain an eligible miles-earning Capital One card just like the Capital One Enterprise X Enterprise, and they’re linked beneath one Capital One login.
The Spark Money probably will not attraction to journey rewards lovers however may be enticing to those that need a easy but profitable card.
To study extra, learn our full evaluation of the Capital One Spark Money.
Apply right here: Capital One Spark Money
Capital One Spark Money Plus
If your online business spends lots every month, think about 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 perfect welcome supply we’ve ever seen on this card.
Annual charge: $150 (see charges and costs)
Rewards: Earn an infinite 5% money again on resorts and rental automobiles booked by means of Capital One Journey and a pair of% money again on all different purchases.
Who ought to apply? The Spark Money Plus carries a $150 annual charge (see charges and costs). Companies with numerous spending ought to think about this card for its profitable welcome bonus, which has limitless bonus-earning potential within the first yr. Plus, in the event you spend $150,000 or extra in a calendar yr, the annual charge is waived (see charges and costs).
To study extra, learn our full evaluation 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, think about the Spark Money Choose.
Welcome bonus: Earn $500 money again after spending $4,500 inside the first three months from account opening.
Annual charge: $0 (see charges and costs)
Rewards: Earn an infinite 5% money again on resorts and rental automobiles booked by means of 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 charge or overseas transaction charges (see charges and costs). Enterprise house owners seeking to earn no less than 1.5% money again on all purchases ought to think about this card.
To study extra, learn our full evaluation of the Capital One Spark Money Choose.
Apply right here: Capital One Spark Money Choose
Capital One Spark Money Traditional
If your online 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 charge: $0
Rewards: Earn an infinite 5% money again on resorts and rental automobiles booked by means of Capital One Journey and 1% money again on all different purchases.
Who ought to apply? The Spark Money Traditional has no annual charge. It’s a nice starter card for companies seeking to construct their credit score historical past. Nevertheless, if you’re a enterprise proprietor with a extra established credit score profile, you need to go for one other Spark card, as you may earn as much as double the money again this card affords 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 inside the first three months from account opening. This supply is price $925 primarily based on TPG’s November 2024 valuations.
Annual charge: $0 within the first yr; $95 thereafter (see charges and costs)
Rewards: Earn an infinite 5 miles per greenback spent on resorts and rental automobiles booked by means of Capital One Journey and a pair of miles per greenback spent on all different purchases.
Who ought to apply? These seeking to earn no 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 on your World Entry or TSA PreCheck utility charge, which might make airport safety a breeze.
With the Spark Miles for Enterprise, you will get nice worth transferring miles to one in every of Capital One’s 15-plus switch companions. Moreover, the cardboard comes with prolonged guarantee safety, which may be helpful to enterprise house owners.
To study extra, learn our full evaluation 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 precise match for your online business, think about the Spark Miles Choose as a substitute.
Welcome bonus: Earn 50,000 bonus miles after spending $4,500 inside the first three months from account opening. This supply is price $925 primarily based on TPG’s November 2024 valuations.
Annual charge: $0
Rewards: Earn an infinite 5 miles per greenback spent on resorts and rental automobiles booked by means of 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 charge and can probably attraction to enterprise house owners who steadily journey as the cardboard earns totally transferable miles. In case your purpose is to pay no annual charge, this can be a stable and easy choice, however when you’ve got excessive annual spending, you could be higher suited to the Spark Miles for Enterprise.
Be taught extra: Capital One Spark Miles Choose for Enterprise
Now is a good time to contemplate 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 online business, you need to first ask your self two questions:
- Do you need to earn money again or miles?
- Are you prepared to pay an annual charge?
When you reply these questions it’s straightforward to seek out the precise 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 regard to annual charges, the Spark playing cards with annual charges earn no less than 2% money again or 2 miles per greenback spent on all purchases, whereas the no-annual-fee playing cards earn no less than 1% money again or 1 mile per greenback. If your online business has numerous annual spending, I like to recommend choosing the cardboard with the highest incomes charges, as you’ll probably recoup the price of the annual charge 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 may have multiple Spark card on the similar time. It is vital to notice you may solely apply for one Capital One card each six months. Contemplating that, ensure that to unfold your functions out over an extended sufficient time interval.
Associated: The last 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 may be both Visa or Mastercard. It will depend on which card product you might have.
Does Capital One Spark pull private credit score?
Capital One does have a look at your private credit score report while you apply for a Spark card. The TPG-recommended credit score rating for many of the Spark playing cards is no less than 740; nevertheless, it’s doable to get permitted with a decrease credit score rating.
Should you’re making use of for the Spark Traditional card, you will get permitted 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 be aware there isn’t a preset restrict with the Spark Money Plus.
Associated: Find out how to get a enterprise bank card
Backside line
As with Capital One’s private playing cards, you may maximize your rewards technique by combining two (or extra) Spark enterprise playing cards that give you essentially the most miles and advantages for your online business spending. It will also be an effective way to separate enterprise and private bills.
Should you plan to use for a number of of those playing cards, it is usually really helpful that you simply apply for no multiple private and one enterprise card with Capital One in a 60-day window. Should you’re denied, you may all the time name the reconsideration line to attempt to get your utility permitted. The Spark enterprise playing cards is usually a welcome addition to your online business as they provide simplicity and adaptability with incomes and redeeming rewards.
Associated: Find out how to apply for a Capital One enterprise bank card
For Capital One merchandise listed on this web page, a few of the advantages could also be supplied by Visa® or Mastercard® and will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
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