Spark Cash Business Credit Card Guide


Today I will be doing a quick review of the Spark Cash business card. This is a business card that currently offers 2% cashback on every purchase that you make.

Important information

  • 2% cashback on all purchases
  • $500 sign-up bonus when you spend $4,500 in 3 months
  • $0 annual fee for the first year, then $59 annually
  • No foreign transaction fees
  • It’s a business card

How to apply for it

You can apply for the card here. Please note that this is a business card. The fact that it is a business card does make it a little bit harder to get the card. Although you don’t really need to have a big business in order to get this card. Do you sell on eBay, babysit, blog, or give financial advice for money? Well, all of those things counts as having a business.

Visa Buxx and the Spark Cash

Some of you may be wondering how you can spend $4,500 in three months. This may not be too easy for a lot of people. Hence, one method I recommend is to manufacture spending with the prepaid Visa Buxx. Essentially you use a credit card to load money into the prepaid card. Then you withdraw that money from an ATM and you place it in your bank account. In the process, you’ll be able to earn cash back on the card as well as having it count towards the $4,500. I’ve personally wrote about the Visa Buxx before. You can find the post here.

Compared to other cards

These are some of the cards that have similar rewards to the Spark Cash

Citi Double Cashbackā€“ This card also offers 2% cashback as well. You earn 1% when you make a purchase and you get the other 1% when you pay off the balance.

Discover Itā€“ This card usually only offers 1% cashback. However, recently Discover has created a new promotion call the double cashback promotion. Essentially all of the cashback you earn will get doubled at the end of 13 statements. Hence it becomes 2% as well, although it would take 13 months to get the extra cashback. This card also has 5x cashback in select categories as well. The 5x also would get doubled to 10. Apply soon as the sign-up for the promotion ends on 12/31!

Fidelity Amex– This card also offers 2% cashback on all purchases. There are two “slight downsides” to this card. First of all you have to spend $2,500 on this card (or earn $50 cashback) to redeem your money. Secondly you have have to create an account with Fidelity to earn the cashback. This can be easily done. I personally just created a cash management account and send the cashback back to my credit card as a statement credit. It takes very little work to do.


I really like this card because of the amazing sign-up bonus. Not many credit cards offers bonuses with a value greater than $500. This card is great because it offers a bonus that is straight up cash. The amount you earn off of the sign-up bonus (if you meet the spending) actually comes to a total of $590 if you really think about it. You get $500 for the sign-up bonus and then an additional 2% on the $4,500 which comes out to be $90.


  1. Rick says:

    Quick question, what type of business do you do? Do you have any profits? I ask because I am interested in getting business credit cards, but I do not have a business since I am a student.

    • Phong Chau says:

      I have an eBay business that I run. I’ve had varying levels of profit. I made about 4k in my first year, 8k in my second year, and about to be 3k in my third year. I don’t really put much work into my business any more because I’m so busy with classes.

      Also, I’ve heard that some people have been able to apply for a business credit card even though they don’t make any sales. I remember reading on a forum somewhere that people have applied for a card with a newly created “business”. Apparently their application got accepted. I’m not sure how true this really is though. Although if this was true, I’m sure having excellent credit would benefit you when applying for your first card.

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