Capital One Spark 2% Cash

Capital One · Credit card · Business

3.5 Debt Sunset rating vs. other business cards

Flat 2% cash back for businesses, with the fee waived the first year.

Rates, fees and offers

Regular APR: See Capital One's rates and terms.
Annual fee: $95
Promo offers: $0 annual fee the first year, then $95.
Balance transfer fee: See Capital One terms
Rewards: Unlimited 2% cash back on every purchase; 5% on hotels and rental cars booked through Capital One Business Travel.

Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗

Notes

A business card: you are usually personally liable, and some consumer protections (like the CARD Act's rate-increase rules) may not apply.

Paying and contacting Capital One

Pay online: www.capitalone.com
Customer service: 1-800-227-4825
Pay by mail: Capital One, Attn: Payment Processing
PO Box 71087
Charlotte, NC 28272-1087

Overnight: Capital One, Attn: Payment Processing, 6125 Lakeview Rd, Suite 800, Charlotte, NC 28269

Always check this against the payment address on your own statement: issuers use different addresses by region and product, and a payment mailed to the wrong address can arrive late.
Billing disputes: Capital One
Attn: Disputes
P.O. Box 30279
Salt Lake City, UT 84130-0279

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