$500 Signup Bonus for 2% Cash Back Card, Fee Waived the First Year

I receive compensation for many links on this blog. You don’t have to use these links, but I am grateful to you if you do. American Express, Citibank, Chase, Capital One and other banks are advertising partners of this site. Any opinions expressed in this post are my own, and have not been reviewed, approved, or endorsed by my advertising partners. I do not write about all credit cards that are available -- instead focusing on miles, points, and cash back (and currencies that can be converted into the same).

The strongest cash rebate small business card — Spark Cash for Business — is now offering:

  • $500 cash when you spend $4500 on the card within 3 months
  • Waived fee the first year (then $59)

That’s a really strong return both for signup bonus and ongoing earn. I don’t generally recommend Capital One cards but this is a good business card for a cash rebate.

capital one spark business card

The strongest signup bonus on a rebate-style personal (versus business) card belongs to the Barclaycard Arrival+ World MasterCard which gives you 40,000 points after $3000 spend within 90 days of cardmembership. When you redeem that for a $400 statement credit against travel spend you get 10% of your points back, making the points worth at least $440. (The card’s $89 fee is waived the first year.)

The strongest cash back on a personal card belongs to Citi Double Cash, in my opinion — it offers 1% back with your purchase and 1% more back when you pay for the purchase so delivers the rebate of the Spark for Business.

Capital One, incidentally, has a card that will give you 20% back on Uber for a year and they also will give you up to $60 in free Uber rides if you’re a new user.

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.


  1. @Ted no commission on this card either, and no – no love for Venture. It’s less valuable on the earn side (points that max at at 1 cent apiece, so 2% back, when spent on travel — not 2% cash) and a lower bonus, I can’t imagine wasting 3 credit pulls on that. This is a business card, so fits a different niche.

  2. Great to see you writing about this offer/card despite the absence of affiliate links. That said, I can’t help but notice the difference between this brief, sober, almost apathetic post and the effusive and repetitive sales pitches for the Ink cards when the sign-up bonuses for those cards increase (complete with tutorials on how to justify an application without a legitimate business!).

  3. Many of us know this, but it’s probably worth mentioning in the article as a “heads up”, that Capital1 will pull from ALL credit bureaus when applying with them.

  4. @David it gets its own standalone post, in fact what you’ll find if you do a reasonable analysis is that despite having referral links for Chase, Amex, Citi, and US Bank (so most of the best offers are going to offer links) that consistently over a third and usually over 40% of the links presented to cards are non-affiliate links.

    Moreover, any ‘enthusiasm gap’ here is going to be driven by 2% cash back which isn’t that inspiring to me. My interest is travel. International travel. In business but really first class. For which this doesn’t help at all.

    Still, I know that many readers will value the offer so I want to make them aware of it.

    I find it a little strange that you’re criticizing me (albeit somewhat backhandedly) precisely when I’m offering up such deals. Can’t win with some folks! 😉

  5. Man, why do so many people like to come here and criticize? If you don’t like the posts, then stop visiting and reading. He’s providing information for free and it’s of great use to many of us. Try showing a little gratitude.

  6. I applied and got the dreaded 7-10 day notice. Doesn’t look promising. My scores are around 780.

  7. Thanks for sharing this interesting offer. I have a question however. If I use my own social security number to sign up for a business card like the Spark Cash for Business, does that account then affect my personal credit, in terms of credit limit, utilization, the hard inquiries pulled during the app. process, etc., just like a regular personal credit card?

  8. @Clay, yes. You can expect the inquiries to show up on your personal report for business cards, but usually the accounts themselves are “hidden.” Not so with CapOne. No other issuers (Amex, Chase, BoA, Citi) report my incorporated firm’s cards, even though they are all personally guaranteed.

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