5. Capital One Spark Cash for Business
Score: 4 points;
Annual fee: $0 I the first year, $59 after that (2 points);
APR: 17.99% (2 points);
Unfortunately, the Capital One Spark Cash for Business is not a consumer card. It is only available to business owners. However, this card is one of the credit cards with 2% cash back on everything on our list and it has average reviews on the Capital One website and on the most popular card review platforms. Apart from the 2% cash back it also comes with a $500 cash bonus, $0 Fraud Liability feature and a possibility for business owners to issue more employee cards at the same cost and collect the rewards from their purchases.
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