Is Capital One Spark 2% Cash worth it?
Capital One Spark 2% Cash can be a fit for people comparing business cards from Capital One. The main things to weigh are the $95 annual fee, the rewards structure, and whether the benefits match your spending habits.
Rewards breakdown
Wafacard summary: this business spending card shows cash-back earning from 2%-5% depending on the purchase type and issuer rules. Check the issuer page for eligible categories, caps, and current terms.
Intro offer: Intro value may include 1,000 points. Confirm current requirements with the issuer.
Card details
Wafacard note: key fit signals include employee card controls may be available, business spending features. Availability, exclusions, and enrollment rules can vary by issuer terms.
- Network
- Visa
- Review status
- Terms reviewed 6/30/2026
Fees and terms
Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.
- Annual fee
- $95
- Purchase APR
- APR range: 16.74% - 22.74%
- Balance transfer APR
- Check issuer terms
- Cash advance APR
- APR range: 30.49%
- Foreign transaction fee
- Check issuer terms
- Late payment fee
- Up to $39
- Grace period
- 25 days
- Recommended credit
- Excellent (720+)
- Terms last updated
- 6/22/2026
Key benefits
- Employee card controls may be available
- Business spending features