Capitol One affords an expansive suite of private playing cards, a few of that are on the high of our lists, however the issuer additionally affords a household of playing cards made for companies.
These playing cards are often called the Spark playing cards, and so they 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 look at the playing cards and their welcome affords.
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.
|
Earn $2,000 money again after spending $30,000 within the first three months. Plus, earn a further $2,000 money bonus for each $500,000 spent through the first cardmember yr. | Earn $500 money again after spending $4,500 throughout the first three months from account opening.
|
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 |
|
|
|
|
|
|
| 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 |
|
|
|
|
|
|
Capital One Spark enterprise playing cards
Capital One Spark Money
When you’re a cash-back fan seeking 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 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 vehicles booked by Capital One Journey and a couple of% money again on all different purchases.
Every day E-newsletter
Reward your inbox with the TPG Every day publication
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
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 seeking to earn money again and redeem any quantity at any time ought to contemplate this card, as you may recoup your bills and make investments them proper again into your corporation.
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. Nonetheless, you may convert your money again to miles when you 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 probably will not attraction to journey rewards lovers however could be enticing to those that need a easy but profitable card.
To be taught extra, learn our full assessment of the Capital One Spark Money.
Apply right here: Capital One Spark Money
Capital One Spark Money Plus
If your corporation spends so much 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 a further $2,000 money bonus for each $500,000 spent through the first cardmember yr.
That is the most effective welcome provide we’ve got ever seen on this card.
Annual price: $150 (see charges and costs)
Rewards: Earn an infinite 5% money again on motels and rental vehicles 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 plenty of spending ought to contemplate this card for its profitable welcome bonus, which has limitless bonus-earning potential within the first yr. Plus, when you spend $150,000 or extra in a calendar yr, the annual price is waived (see charges and costs).
To be taught extra, learn our full assessment 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 an infinite 5% money again on motels and rental vehicles 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 seeking to earn no less than 1.5% money again on all purchases ought to contemplate this card.
To be taught extra, learn our full assessment of the Capital One Spark Money Choose.
Apply right here: Capital One Spark Money Choose
Capital One Spark Money Traditional
If your corporation does not qualify for a greater enterprise card, the Spark Money Traditional is an honest choice for incomes rewards on each buy.
Welcome bonus: None
Annual price: $0
Rewards: Earn an infinite 5% money again on motels and rental vehicles 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 seeking to construct their credit score historical past. Nonetheless, in case you are a enterprise proprietor with a extra established credit score profile, it is best 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 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 an infinite 5 miles per greenback spent on motels and rental vehicles booked by Capital One Journey and a couple 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 International Entry or TSA PreCheck utility price, which might make airport safety a breeze.
With the Spark Miles for Enterprise, you will get nice worth transferring miles to one in all Capital One’s 15-plus switch companions. Moreover, the cardboard comes with prolonged guarantee safety, which could be helpful to enterprise house owners.
To be taught extra, learn our full assessment 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 seem to be the suitable match for your corporation, 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 an infinite 5 miles per greenback spent on motels and rental vehicles 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 probably 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, this can be a strong and easy choice, however when you have excessive annual spending, you might be higher suited to the Spark Miles for Enterprise.
Study 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 true for your corporation, you have to first ask your self two questions:
- Do you need to earn money again or miles?
- Are you prepared to pay an annual price?
When you reply these questions it’s straightforward to search out the suitable 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 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 corporation has plenty of annual spending, I like to recommend choosing the cardboard with the highest incomes charges, as you’ll probably 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 may have multiple Spark card on the identical time. It is necessary to notice you may solely apply for one Capital One card each six months. Contemplating that, be sure to unfold your purposes 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 could be both Visa or Mastercard. It is determined by which card product you could 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 no less than 740; nonetheless, it’s attainable to get permitted with a decrease credit score rating.
When 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. It is very important observe there isn’t any preset restrict with the Spark Money Plus.
Associated: The right way 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 probably the most miles and advantages for your corporation spending. It will also be an effective way to separate enterprise and private bills.
When you plan to use for a number of of those playing cards, it is usually really helpful that you just apply for no multiple private and one enterprise card with Capital One in a 60-day window. When you’re denied, you may at all times name the reconsideration line to attempt to get your utility permitted. The Spark enterprise playing cards generally is a welcome addition to your corporation as they provide simplicity and adaptability with incomes and redeeming rewards.
Associated: The right way to apply for a Capital One enterprise bank card
For Capital One merchandise listed on this web page, a number of the advantages could also be supplied by Visa® or Mastercard® and will differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
