ADVERTISER DISCLOSURE

If you're having trouble finding any links, be sure to check out my Best Offers pages in the menu.

Capital One Spark Cash
Best Simple Cash Back Business Card
Capital One Spark Cash
Annual fee: $0 intro for the first year, then $95
Current welcome offer

Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening. If you also have a miles-earning card, this bonus can be combined and turned into 100,000 miles.

How you earn points
5%cash back on hotels and rental cars booked through Capital One Business Travel
2%cash back on every purchase, everywhere — no categories, no limits
Full benefits & perks
  • Unlimited 2% cash back on every purchase with no category restrictions
  • $0 intro annual fee for the first year, then $95
  • Free employee cards with the ability to set individual spending limits
  • No foreign transaction fees
My thoughts

This is a great card for business owners who want maximum simplicity. Flat 2% back on everything with no categories to track, no quarterly activations, no thinking required. The welcome offer of $1,000 cash back is solid, and even better if you have a card that earns Capital One Miles. In this case, you can combine your cash back into flexible miles. The first-year annual fee waiver means you can earn the bonus and evaluate the card before deciding whether to keep it. If you spend regularly on your business and value straightforward cash back over travel rewards, this is a top pick. It's also a business card, so it won't count toward your 5/24 number.

How to use your points

Cash back earned on this card is simple and flexible. Here are your options:

  • Redeem as a statement credit against any purchase
  • Get a check or direct deposit to your bank account
  • Transfer cash back to a Capital One Venture or Venture X card to convert into flexible miles
Further reading
Quick recap

Simple cash back for your business — an easy 2% back on all purchases.

  • $1,000 welcome bonus after $10,000 in 3 months is a great first-year deal
  • First year fee free, so you can earn the bonus before deciding whether to keep it
Learn how to apply →
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Thank you for using our card links when applying for new cards. It helps us run our small business at no extra cost to you. We appreciate your support!



Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

AFFILIATE DISCLOSURE:

The Traveling Hansens is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers.

EDITORIAL DISCLOSURE:

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.