Thursday, 19 December 2019

Capital One Spark Cash for Business - Earn $2000 in Cashback Rewards (Limited Time Only)

Capital One Spark Cash for Business


The Capital One Spark Cash for business is very popular in the cashback rewards community because it offers some serious cashback. Point blank, the Capital One Spark cash for business credit card should be in your wallet especially if you spend a lot on your business to keep it ticking over.

The Capital One Spark Cash for Business card offers an incredible limited time offer where you can earn up to $2000 in cash bonuses. Most cashback rewards credit card offer sign-up bonuses between $300 and $500, so the Capital One Spark Cash for business is going the extra mile to provide more bang for your buck. In fact, the people over on social media sites such as Reddit and Instagram are going insane over how much you can make in cashback rewards! 



Bonus 1: The Capital One Spark Cash for Business is offering a limited time offer where you can earn $2000 in cash bonuses.

Bonus 2: The Capital One Spark Cash for Business offers 2% cashback for your business on every purchase, everywhere! there are no categories or limits to how much you can earn.

Bonus 3: The Capital One Spark Cash Back for Business offers employee cards which unbelievably earns unlimited 2% cashback rewards on all purchases.


Capital One Spark Cash for Business FICO Requirements


The card really whets my appetite because there is potential to make so much money through cashback rewards.

But before we get into the features of this brilliant cashback rewards credit bards you need to ask what the FICO score requirements are for this card.

To apply for the highly sought after Capital One Spark Cash for business you will need a minimum FICO score of 700. This is the minimum! I would suggest you aim for a FICO score of 720 before you apply and take your credit utilisation down to 30%. 

Make sure there are no adverse markers on your credit report which could harm your application for this wonderful credit card. It's better you wait and be patient and work on your FICO credit score before you apply for Capital One Spark Cash for Business. You won't regret it!


Capital One Spark Cash for Business Features


I love analysing credit cards, I do it for a living. I have analysed the Capital One Spark Cash for Business credit card and I really like what I see.

In this short and concise Capital One Spark cash business card review I show you the features of this amazing card and share some of the strategies you can use to maximise cashback rewards. Seriously though, this is a card that should be in your wallet if you're serious about your business and want rewards for spending money.

Feature 1: The Capital One Spark Cash for Business gives you a $500 cash bonus when your spend $5000 in the first 3 months of opening the cashback credit card account.

Feature 2: Earn another $1,500 when you spend $50,000 in the first 6 months of opening the Capital One Spark Business Cashback card. YES! This is limited time only though so get your skates on...

Feature 3: I really like this feature, you can earn an unlimited 2% cashback for your business on every purchase, you can spend everywhere and there are no limits or categories.

Feature 4: There is no annual fee for the first year on the Capital One Spark. Rather annoyingly though, there is a $95 annual fee thereafter!

Feature 5: The Capital One Spark Cash for business offers free employee cards that earn unlimited 2% cashback on all purchases! You will be making money when your employees spend money on business expenses! Genius Idea.

Feature 6: The Capital One Spark Cash for Business referral program is brilliant, you can refer 9 business people per year and get $200 for each successful applicant, that's $1800! time to book a holiday?? 

Feature 7: Rather reassuringly, the Capital One Spark Cash for Business credit card offers $0 liability if your card gets lost or stolen of falls into the wrong hands. Good to Know.

Maximize Cashback on Capital One Spark Cash


I won't lie, I love earning cashback rewards. I'm also into maximizing cashback rewards in a big way!

The Capital One Spark Cash for Business credit card allows you to earn hefty cashback returns. Over on Reddit savvy personal finance experts are really cleaning up on the cashback rewards. Here are a few of the strategies to earn more bang for your buck with the cashback rewards.

Strategy 1: Sign up for the Capital One Spark and spend $5000 in the first 3 months and bag $500. Easy Peasy.

Strategy 2: Spend $50,000 in the first 6 months to set up your business and get $1500 in cashback rewards from Capital One Spark Cash for Business.

Strategy 3: Make all your employees additional cards on the Capital One Spark and ask them to use this card for their business expenses. You will earn cashback when your employees spend.

Strategy 4: Refer 9 people every year to the Capital One Spark Cash for Business and receive $1,800 in cashback rewards.

Strategy 5: During the expansion of your business is when you can make the most money from cashback rewards. Just remember to use the Capital One Spark Cashback card on all business expenses, even a paperclip, don't leave anything out.

Using these simple but effective strategies you can easily make a minimum cashback of $3800+. Just imagine what you could do with this free money. It's just money earned for spending money!

Capital One Spark Cash for Business FAQ's


I get a tonne of questions emailed to me and left on the comments section on the Capital One Spark Cash for business.

To make life easy, here are some of the frequently asked questions on the Spark Cash for business. If you have any more questions feel free to drop me an email!

Q1: Does Capital One Spark Business Report to credit?

The Capital One Spark Cash for Business does report to personal credit bureau's. If you read the terms and agreement you will see that Capital One Spark reports to both business and personal credit reporting bureau's.

Q2: Is the Capital One Spark card good?

The Capital One Spark is a good card. It is particularly suitable for business owners who are starting out and need to spend at least $50,000 to set things up. 

Also, if you have employees who claim expenses you can earn a lot in cashback rewards. Also, what makes this card really good is you can earn up to $1800 a year with the referral program.

Q3: How does cash back work with Capital One?

One the Capital One Spark Cash for Business credit card you can earn the following cashback.

1. $500 cashback for spending $5000 in the first 3 months
2. $1500 cashback for spending $50,000 in first 6 months
3. $1800 cashback for referring 9 people for Cap One Spark 
4. Get 2% cashback on all business expenses UNLIMITED

Q4: What is a Capital One Spark card?

The Capital One Spark Card is a cashback credit card designed for business owners who are starting out or are expanding rapidly and have high expenses. The Capital One Spark give you 2% cashback every time you make a purchase for your business. 

You also get $2000 in cashback bonuses for a limited time only and have the potential to earn $1800 from the Capital One Spark Referral Program.

Q5: How do I redeem my Capital One Spark rewards?

To redeem your Capital One Spark rewards you must log into your account. Below the image of your credit card you will see the rewards tab, this is next to the dollar figure which shows your current reward balance. 

You have to click on the dollar amount and request how you want this to be redeemed. You can either sent the money to your bank account, get a check or use the cashback reward to pay off a balance on your Spark Credit Card.

Q6: Does Capital One have a 2% cash back card?

Capital One does indeed have a cashback rewards credit card which offers 2% in cashback rewards. The Capital One Spark Cash for Business offers 2% on all business related purchases and there are no categories or limits to be concerned about.

Q7: Does Capital One have a referral program?

The Capital One Spark Cash does have a referral program. You can refer 9 business owners every year and earn $200 per referral. Potentially you could earn $1800 in cashback rewards if you fulfil your referral quotas.

Q8: Does Capital One have a business credit card?

Capital One does have a business credit card called Capital One Spark. This offers 2% cashback on business expenses and there are no limits of categories. For a limited time only the Capital One Spark offers $2000 in cashback rewards. You can also earn up to $1800 for referring 9 people to Capital One Spark.

Q9: Can I upgrade my Capital One card?

You can upgrade your Capital One Card to the Capital One Spark Cash for business. You must have a record of a well maintained account. All you have to do is contact Capital One and ask them for a upgrade and an increase in your credit limit.

Q10: How much does Capital One charge for cash withdrawals?

You can get a Capital One cash advance by making an ATM withdrawal. You'll be charged a 3% cash advance fee ($10 minimum) for each transaction, along with any ATM fees. You'll also be charged a cash advance APR as much as  27.99%.

Q11: What is Capital One spark cash for business credit limit initially?

The minimum Credit Limit for the Capital One Spark Cash for Business is $500. However, depending on your FICO credit score and credit utilisation you could begin with a credit limit of $3000 to $5000 once you've been approved for the cashback rewards credit card.

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