Spark Cash

Best for: business owners who want flat 2% cash back

A business card with unlimited 2% cash back, a $1,000 bonus, and a $0 annual fee for the first year.

Good Day Loans is not currently paid by the institutions shown here. Any paid placement would be labeled and never changes rankings. Advertiser disclosureVerified Sep 28, 2026

Rewards and welcome offer

Welcome bonus

$1,000

cash bonus after $10,000 in purchases in the first 3 months

2%cash back for your business on every purchase, no limits or category restrictions
5%cash back on hotels and rental cars booked through Capital One Business Travel

Strengths and trade-offs

Strengths

Unlimited 2% cash back on every purchase
$1,000 welcome bonus
$0 annual fee the first year
No foreign transaction fees

Trade-offs

$95 annual fee after the first year
Bonus needs $10,000 in purchases within 3 months

Rates and fees

Annual fee: $95
Regular APR: 24.49% variable
Intro APR: None
Balance transfer fee: Applies; amount not stated on the issuer's page
Foreign transaction fee: None
Minimum credit score: Not published by the issuer

Regular APR is variable: 24.49%.

Figures read from capitalone.com on Sep 28, 2026. Terms change without notice, so confirm with the lender.

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