Capital One Spark Cash Select for Good Credit Review

If you're looking for a business credit card that is easy to understand - no rotating categories, for instance, or points to redeem - and if you're searching for a business credit card that gives you the chance to save money on everything you buy - cardholders can enjoy 0% intro APR for 12 months (then RegAPR) and 1.5% cash back on all purchases on an ongoing basis - the CardName may be the card for you.

CardName BENEFITS

If you know you have some big business purchases coming up, and you're currently interviewing credit cards to see which one you want to "hire," you may want to take a look at the CardName.

Not every business can just shell out a lot of money to replace a computer system or renovate their building. Sometimes you need to have a credit card spend that money, and you'd like to pay it back over time.

That's where the CardName may come in handy. Twelve glorious months to pay things off at your leisure with no interest rate is a nice perk (after this intro period, RegAPR applies). Plus, there are plenty of other things to like about this card. See Rates and Fees

CardName cardholders enjoy the following benefits:

• Unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions
• No annual fee
• Rewards won't expire for the life of the account
• Redeem your cash back rewards for any amount
• Free employee cards, which also earn unlimited 1.5% cash back on all purchases
• $0 fraud liability for unauthorized charges
• No foreign transaction fees

FEATURED CARD

 

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• Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations.
• 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That's $10 in statement credits each month. Enrollment required.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
• Terms Apply.

Apply Now

See Rates and Fees

Terms and Limitations Apply

Credit Needed:

Good, Excellent

WHAT CREDIT SCORE IS REQUIRED FOR THE CardName?

You'll need at least good credit for the CardName card. Generally, that tends to mean you'll need at least a 670 credit score, though Capital One may take other facets of your credit history into account when deciding on approval.

WHAT ARE THE POTENTIAL DOWNSIDES OF THE CardName?

Fortunately, there is no real dark side to the CardName card. If you "hire" this card, you won't find out later that it's robbing you blind by stealing and hoarding office supplies (in other words, there's no annual fee or foreign transaction fee). See Rates and Fees

But like any employee you hire, you might think, "Here I bring you on my staff… maybe you could work a little harder."

It is possible, in other words, to find credit cards with higher cash back rates or longer 0% intro APR periods. You might be somebody who doesn't mind rotating credit card categories and would love to see some higher cash back category of 3% or 5% for travel or office supply purchases, perhaps. If that's you, the simple rewards structure this card offers may be a bit of a let down.

HOW DOES THE CardName COMPARE TO OTHER CARDS?

CardName vs. CardName

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There aren't many credit cards that could be considered twins, but these two credit cards really are alike. They even have the same name. They both offer 1.5% cash back on everything and have no annual fees and no foreign transaction fees, and with both cards, you can get free employee cards, which also earn unlimited 1.5% cash back on all purchases.

While perhaps twins, they aren't identical. First off, you need excellent credit for approval consideration for the CardName. It's recommended that you have good credit to apply for the CardName. Their APRs are also a little different, the good credit version features a RegAPR APR (See Rates and Fees) and the excellent credit version a RegAPR APR (See Rates and Fees).

Finally, you have to decide which credit card welcome offer is more important to you - the $500 in cash, or the 0% introductory APR offer. With the CardName new cardholders can earn $750 once spending $6,000 on purchases within the first three months of opening an account. If you don't need extra time to pay off new purchases interest free, have excellent credit, and are looking to pocket some extra cash right off the bat, the CardName could be the better option for you.

CardName vs. CardName

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You could call the CardName the older sibling of the CardName. It isn't a twin, though these cards are also similar.

With the CardName, cardholders can earn a one-time cash bonus of $1,200 once you spend $30,000 in the first three months.

The CardName has no cash bonus, just the possibly very helpful introductory APR offer.

And definitely worth noting - the CardName has no APR. You're expected to pay the card off every month. If you don't, you'll be socked with a late fee.

The CardName card offers 2% cash back for everything you buy while the CardName gives you 1.5%.

Otherwise, the cards are fairly similar, though the CardName is definitely aimed at businesses that spend a lot. If you spend $150,000 a year, your annual fee will be refunded. There is no similar offering with the CardName card.

CardName vs. CardName

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Both credit cards are matched pretty closely. You may have to simply decide which bank you like better, Capital One or Chase.

For instance, neither of these credit cards have an annual fee, and with both CardName (See Rates and Fees) and CardName, you'll get 1.5% cash back on everything you buy - and both cards come with an intro 0% APR period. With the CardName, cardholders can enjoy 0% intro APR on purchases for the first 12 months, then RegAPR applies.

As closely matched as they are, however, the CardName is a better card for international business travel as it doesn't charge foreign transaction fees. The CardName charges a foreign_fee fee on all foreign transactions.

Finally, the cherry on the top with the CardName is its welcome offer to new cardholders. The spend threshold to earn the bonus is a bit steep, but for those who can swing it, it's a great deal. Spend $6,000 on purchases in the first three months after opening an account and pocket a whopping $750!

WHO IS A GOOD FIT FOR THE CardName?

The CardName is a worthy card for the business owner who has some expenses coming up - and doesn't want to pay for it all at once and would like to take advantage of the 0% APR offer - and who likes the idea of having a simple cash back strategy for shaving off the price on everything the business purchases.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.