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Apply online for Capital One® Spark® Cash Select for Business
About Our Ratings
Credit Needed
Excellent, Good

Capital One® Spark® Cash Select for Business Review

Pros & Cons

  • This card is great for new business owners who don't travel frequently and prefer to skip the annual fee
  • Good earn rate and easy to manage rewards program with no sign-ups or caps to keep track of
  • You can go nine months saving on interest with a 0% intro APR on purchases.
  • If you plan to spend $1,000 or more monthly, Capital One® Spark® Cash for Business may be a better choice to earn greater rewards.

Top Features

Cash Back on Gas
1.5%
Cash Back on groceries
1.5%
Cash Back on other
1.5%
Annual Fee
$0

Full Review

Curtis Arnold Editor-in-chief

Most rewards credit cards for small business charge annual fees to help cover the cost of rebates, but not the Capital One® Spark® Cash Select for Business card. This no-annual-fee account furthers its appeal by offering a $200 Cash Bonus for new cardholders who spend $3,000 on purchases within the first 3 months. Cardholders earn 1.5 percent cash back on every purchase for your business, with no minimum to redeem. As with all Capital One offerings, this credit card charges no foreign transaction fees when making purchases outside of the U.S.

Good option for growing companies

Capital One aims Spark Cash Select at the wallets of America's most frugal business owners with a feature set designed to scale. This card currently offers a zero percent introductory APR on purchases for nine months. Custom, itemized reports (quarterly and year-end) of your spending can help you simplify planning, budgeting and tax time for your business. Capital One's business specialists can issue extra cards for each of your employees, for free, but you control their purchasing limits and the kinds of transactions they can complete. With your whole team hunting for bargains, you can rack up a big cash rebate even faster. You'll track those earnings using Capital One’s website, where you can either request a statement credit on demand or set your reward redemption on auto-pilot.

How Spark Cash Select compares with other business credit cards

If you want to maximize your rewards and you don't mind paying an annual fee, you may want to apply for the Capital One® Spark® Cash for Business credit card instead. It offers a flat, 2 percent cash back on all purchases with a $0 introductory annual fee for first year; $95 after that. On the other hand, shopping around for other no-annual-fee business cards with cash rewards could require a calculator.

The Ink Business CashSM Credit Card from Chase features a $0 annual fee and the chance to earn 5 percent cash back on the first $25,000 in combined purchases at office supply stores and on cellular phone, landline, Internet and cable TV services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn. If you can’t be bothered with keeping track of tiered cash-back rewards, keep Capital One® Spark® Cash Select for Business in mind.

This page was last updated on January 23, 2018

This card compared to other cash back cards

Cash Back on Gas
1.5%
1-5%
1.5%
Cash Back on Groceries
1.5%
1-5%
1.5%
Cash Back on other
1.5%
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
1.5%
Purchase Intro
APR:
0% on purchases
Period:
for 9 months
APR:
0%
Period:
14 months
APR:
0% intro on purchases
Period:
for 9 months
Purchase APR
14.24% - 22.24% (Variable)
13.24% - 24.24% Variable 
14.24% - 24.24% (Variable) 
Rates and Fees
CardRatings.com Editorial Staff

Capital One® Spark® Cash Select for Business details

Balance Transfer Intro APR
N/A
Balance Transfer Intro Period
N/A
Purchase Intro
APR:
0% on purchases
Period:
for 9 months
Purchase APR
14.24% - 22.24% (Variable)
Annual Fee
$0

What Capital One says about this card

  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 14.24%-22.24% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend

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Highlighted offers
Currently available on the Capital One® Spark® Cash Select for Business
$200 Cash Back
Once you spend $3,000 on purchases within 3 months from account opening

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Apply online for Discover it® - Cashback Match™

Discover it® - Cashback Match™

  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn 1% cash back on all other purchases.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • Use your rewards instantly at Amazon.com checkout.
  • No annual fee.
Credit Needed:
Excellent, Good
Apply online for Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 14.24%-24.24% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 14.24%-24.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
Credit Needed:
Excellent, Good