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Capital One · business · visa

Spark 2% Cash

The straightforward business 2% card — no categories, no caps, first year free. A clean default for a business that wants simple flat-rate cash back.

Current public offer

$1,000 cash bonus — as of 2026-07-01

Fees & fine print

  • Annual fee: $95 ($0 intro annual fee first year, then $95)
  • Suggested credit: Excellent (720+)
  • No foreign transaction fee ✓

Earning

  • 2% cash back on every purchase

Informational only — not financial advice. Offers change; verify all terms with the issuer before applying.