Capital One® Spark® Cash Select for Business
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Mastercard
- Regular purchase APR
- 18.24% - 24.24% variable based on creditworthiness and the Prime Rate
At a glance
Through the Capital One® Spark® Cash Select for Business card, you’ll be able to enjoy an unlimited 1.5% cash back on all purchases with no minimum to redeem and no category restrictions. A one-time cash bonus of $500 is also attainable after spending $4,500 on purchases within the first 3 months from the account’s opening, an easy feat for business owners with common recurring expenses.
Our review of the Capital One® Spark® Cash Select for Business
The Capital One® Spark® Cash Select credit card is a fantastic option for business owners looking to earn cash back rewards without the hassle. With no annual fee, this card offers unlimited 1.5% cash back on all purchases, making it a great choice for small businesses. Plus, the card comes with valuable features such as instant fraud alerts and itemized spending reports, providing peace of mind for business owners.
Who Can Benefit from the Spark® Cash Select Card?
The Capital One® Spark® Cash Select is ideal for small business owners who want to earn cash back on every purchase. If you prefer a simple rewards structure without any complicated categories, this card is perfect for you. Additionally, the credit score requirement is good to excellent, making it accessible to many business owners.
How to Earn Rewards
New cardholders can benefit from an introductory cash back bonus of $750 after spending $6,000 in the first three months. In addition, businesses earn unlimited 1.5% cash back on all purchases, with free employee cards and no annual fee, making it easy to rack up rewards.
How to Redeem Rewards
Cash back rewards earned with the Spark® Cash Select can be redeemed through the Capital One Rewards program for statement credits, donations, gift cards, merchandise, travel, or points transfers with select partners. The rewards do not expire, giving cardholders flexibility in how they choose to redeem their earnings.
Other Card Benefits
The Capital One® Spark® Cash Select offers additional benefits such as Zero Fraud Liability, Auto Rental Collision Damage Waiver, purchase records, and year-end summaries. The card also provides easy-to-use accounting tools for seamless bookkeeping.
Should You Apply for the Spark® Cash Select from Capital One®?
If you’re looking for a no annual fee business card that offers solid cash back rewards, the Capital One® Spark® Cash Select is a great choice. With unlimited 1.5% cash back on all purchases and valuable card benefits, this card is a cost-effective option for small business owners. Consider this card if you want simplicity, flexibility, and great rewards without the annual fee.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Unlimited 1.5% cash back from Spark Cash Select. No minimum to redeem
- 0% intro APR on purchases for 9 months
- Free employee cards, which also earn 1.5% cash back on all purchases
- $0 Fraud Liability if your card is lost or stole
Who this card may suit
- You want to earn 1.5% cash back on all purchases every day with Capital One
- You do not want to pay annual fees or foreign transaction fees
- You could use an extra $200 cash bonus for spending $4,500 on purchases within the first 3 months from account opening
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 18.24% - 24.24% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 18.24% - 24.24% variable based on creditworthiness and the Prime Rate |
| Cash Advance APR | 31.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | 3% of the amount of the cash advance, but not less than $3 |
| Penalty APR | 34.4% variable based on the Prime Rate |
| Late Payment Penalty Fee | Up to $39 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Capital One® Spark® Cash Select for Business
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