Capital One Spark Pro Business Credit Card Options Compared

The Capital One Spark Pro Business Credit Card offers two primary options: the standard Spark Pro and the Spark Pro for Preferred Rewards.

The standard Spark Pro has a $0 annual fee and offers 2% cash back on every purchase, everywhere.

The Spark Pro for Preferred Rewards requires a $15,000 minimum deposit into a Capital One 360 savings or checking account and also has a $0 annual fee.

This option offers 3% cash back on all purchases, but only for the first 12 months.

The Capital One Spark Pro options are a great way to earn rewards and build credit for your business. One of the best options is the Capital One Spark Classic for Business, which has a $0 annual fee and can be approved with limited credit history.

This card earns an average cash back rate and doesn't require you to jump through hoops to earn rewards. However, it does have a high APR, and people with above-average credit scores can get better rewards.

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If you're a small business owner with limited credit personally, the Capital One Spark Classic for Business is a great option to consider. You can earn rewards and build credit without breaking the bank.

Another option is the Capital One Spark Miles for Business, which has a welcome offer of 50,000 miles when you spend $4,500 within 3 months from account opening. This card also earns 2 Miles per $1 on every purchase, everywhere, and has no foreign transaction fees.

The Spark Miles for Business has a $0 introductory fee for the first year, and $95 after that. You can also earn 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.

The Capital One Spark cards are designed for businesses building credit, and can be approved with a lower credit rating. They also earn rewards in the form of cash back or miles, and have no annual fee.

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The Capital One Spark Pro has its share of pros and cons.

One of the biggest advantages is that it's designed for businesses building credit, making it easier to get approved even with a lower credit rating.

The card has no annual fee, which is a big plus for businesses on a budget.

You can earn 1% Cash Back on every purchase, with no special categories to keep track of and no limits to your earnings.

However, there's no welcome bonus of any type, which means you won't get a lucrative introductory offer.

The card also has a $150 fee, which may not be worth it for businesses with lower spending levels.

But, if you spend a significant amount, like $10,000 a month, you could earn $3,450 in the first year, assuming you earn the first half of the sign-up bonus and accounting for the annual fee.

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The Capital One Spark Pro offers a solid rewards program that's perfect for small business owners. You can earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.

The rewards rate also includes 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. And, as a bonus, you'll earn 1% cash back on all other purchases.

Here's a breakdown of the rewards rate:

The Capital One Spark Miles for Business card also offers a great rewards program, with 2 miles per $1 on every purchase, everywhere. You can also earn 50,000 bonus miles once you spend $4,500 on purchases within 3 months from account opening.

With the Spark Miles for Business card, you'll get a statement credit for Global Entry or TSA PreCheck, worth up to $120. Plus, you'll have access to Capital One lounges and virtual credit card numbers.

The Capital One Spark Pro card is a solid choice, but it's essential to consider your spending habits and redemption goals before applying.

Annual fees can range from $95 to $150, depending on the card, and come with the chance to earn more rewards compared to their free counterparts.

To pick the best Capital One business credit card for you, look for features like travel benefits, new cardmember welcome bonuses, and rewards on bonus categories.

The Capital One Spark Cash Plus charges an annual fee of $150, while the Capital One Spark Miles for Business has an annual fee of $95 (waived first year).

Consider your type of spending, the amount you spend, and what rewards are most valuable to you when deciding which card is best.

Here's a quick rundown of key features to consider:

If you're a big spender and a frequent traveler, the Capital One Spark Miles for Business or the Capital One Spark Miles Select for Business might be the perfect card for you.

The Capital One Spark Miles card offers 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel, and 2X miles on every purchase, every day.

You'll also earn unlimited 2% Cash Back on every purchase with the Spark Cash card, which is a great option if you want to maximize your rewards earnings.

One of the benefits of the Capital One Spark Miles card is that it comes with a statement credit for Global Entry or TSA Precheck, which can be a huge time-saver for frequent travelers.

Here are the key features of the two cards:

The Capital One Spark Miles Select doesn't have Global Entry or TSA Precheck benefits, so if those perks are important to you, the Spark Miles card might be the better choice.

The Capital One Spark Pro card offers an unlimited 2% cash back on all spending, making it a great option for businesses with diverse expense categories. This cash back rate is available on every purchase, with no rotating categories or spending limits.

The card also features a bonus rate of 5% cash back on hotels and rental cars booked through Capital One Travel. This can be a significant perk for businesses that frequently book travel arrangements, especially if they're looking to maximize their rewards earnings.

Here's a quick summary of the card's key benefits:

This card is for small business owners who prefer earning flexible miles.

Small business owners can benefit from earning flexible miles that can be redeemed for higher value rewards.

It's also a great card for small business owners who like the low fee they pay in exchange for higher earning rates.

With this card, small business owners can earn miles that can be used for travel, merchandise, or other rewards, making it a versatile option for their business needs.

The Capital One Spark Cash Plus Card is a great option for small business owners who want to earn cash back rewards. This card offers unlimited 2% cash back on all spending, making it a simple and straightforward way to earn rewards.

The card also features a bonus rate of 5% cash back on hotels and rental cars booked through Capital One Travel, which can be a big perk for businesses that travel frequently. This bonus rate can add up quickly, especially for businesses that spend a lot on travel.

One of the standout features of this card is the sign-up bonus, which can be earned by spending $30,000 in the first 3 months. This bonus is worth $2,000, and it's a great way to boost your rewards earnings. Additionally, you can earn a $2,000 bonus for every $500,000 spent during the first year, applicable multiple times over the first year.

Here are the key features of the Capital One Spark Cash Plus Card at a glance:

The annual fee of $150 may seem steep, but it's worth considering the rewards and benefits you'll receive. If you spend at least $150,000 in a year, you'll even get $150 back annually.