Capital One Spark 2% Cash Business — $1,000 Sign-Up Bonus (2026 Review)
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Rewards Earning
Key Benefits
- No Foreign Transaction Fees
Overview
The Capital One Spark 2% Cash Business currently offers $1,000 after $10,000 in purchases within 3 months. There is no annual fee. Estimated net first-year value is $1,000 using the catalog's published valuation assumptions.
Who This Card Is For
Business owners and sole proprietors who can complete $10,000 of planned purchases without carrying a balance and who fit Capital-One's approval rules.
How to Maximize the Sign-Up Bonus
Plan for roughly $3,334 per month in organic purchases to complete the $10,000 requirement inside 3 months. Do not carry interest-bearing debt to earn the bonus, and confirm that every planned purchase is eligible.
Pros
Cons
How This Compares
The closest current Capital-One comparison in the catalog is the Capital One Spark Cash, with $1,000 after $10,000 in 3 months and a $95 annual fee. Compare net first-year value and long-term fit.
Frequently Asked Questions
What is the current Capital One Spark 2% Cash Business welcome offer?
The current catalog offer is $1,000 after $10,000 in purchases within 3 months. Confirm the issuer page before applying.
What is the Capital One Spark 2% Cash Business annual fee?
The annual fee is $0.
How should I value the Capital One Spark 2% Cash Business offer?
Using the site's catalog assumptions, the estimated net first-year value is $1,000 after the first-year annual fee and tracked statement credits. Your redemption value can differ.
Related Cards
Sources (1)
We last checked this against the bank's page on August 16, 2026.
Historical Promotions
The current $1,000 is the highest we've tracked since May 2023.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.