Capital One Spark Cash
Did you know that there’s not a minimum size for a business? That means you could qualify with something as small as selling on Facebook Marketplace. Learn more about that here.
Current Welcome Offer:
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Annual Fee:
Reasons Moms Love This Card
- 2% cash back on everything: Flat, unlimited rewards — no categories to track.
- Perfect for big expenses: Remodels, braces, weddings — earn quickly on large purchases.
- No foreign transaction fees: Great for global business or family travel.
- Convert rewards to miles: You can pair this card with either the Venture X or Venture to redeem points for flights, hotels, or even Disney tickets and cruises.
- Team‑ready: Free employee cards, spend tracking, and flexible business approvals.
Heads up: Even though this is a business card, Capital One typically reports their business cards to your personal credit report. That means:
- ✅ It does show up on your personal credit report
- ✅ It does count toward your 5/24 status
- 🚫 If you’re trying to stay under 5/24 for strategy reasons, this may affect your eligibility for future cards