All credit card companies have a $50 cap on lost or stolen cards, but the Capital One Spark Cash credit card has a zero liability clause. Cardholders earn 1% cash back on every purchase made, and they also get a 50% total bonus for every year that they keep their accounts in good standing.
Small business owners can apply for the Capital One Spark Cash credit card over the phone, the web or via standard postal mail.
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The best feature on the Capital One Spark Cash credit card is its 0% introductory interest rate that runs until April of 2012. Lower your overall business debt with these balance transfer credit cards and each of your monthly payments will go further.
Capital One Spark Cash Options
When you apply for the Capital One Spark Cash credit card, you can join several programs designed to benefit business owners that travel on a regular basis.
Capital One Spark cardholders can rent vehicles and get extra protections such as collision and theft coverage. Business owners can also add a maximum of 25 of their employees onto their accounts so that they can manage all of their business related expenses in one convenient place.
The Capital One Spark Cash credit card comes in four standard colors, and it can also be customized to bear your company logo and name on the front. Overall, Capital One credit cards have an average rating compared to other cards with JD Power.
Spark Cash Benefits
- Get 2% cash back on every purchase, every day
- Earn a one-time $100 bonus once you spend $1,000 on purchases within the first 3 months
- Earn a one-time $50 bonus when you sign up for one or more employee cards within the first 60 days
- Redeem your cash rewards anytime
- There’s no limit to the amount of cash you can earn
- Cash rewards don’t expire
- Enjoy award-winning small business customer service
Capital One Spark Cash Fees
The interest rate on these business credit cards fluctuates, varying from 13.9% to 20.9%. Like other credit cards, the Capital One Spark Cash credit card will have a lower interest rate for consumers that have higher credit ratings. Capital One Spark Cash cardholders pay no annual fee for the first year; $59 annually after that.
The fee for cash advances can be as low as $10, but larger amounts will be charged at 3% interest. Usually, the interest rate for balance transfer is the same as the APR; however, it can also range from 13.9% up to 20.9%.
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