Capital One® Spark® Cash Select for Business
Capital One® Spark® Cash Select for Business: Details and benefits
Business owners who want a hassle-free card with a generous and unlimited rewards structure may find the Capital One Spark Cash Select for Business fits the bill. On the other hand, if you tend to carry a balance – and you can qualify for the lowest annual percentage rate, this card also is a decent choice to carry in your pocket.
But their are other cards on the market that offer the same — if not better — low rates for those who qualify, and some have the same introductory offer that come with this card.
We don’t like this card quite as much as its relative, the Capital One Spark Cash for Business, which charges an annual fee after the first year, but also offers a slightly higher rewards rate and a more lucrative sign-up bonus.
That being said, this card still ranks among the best on the market, particularly because of its unfussy rewards program that doesn’t pay different rates for different categories of spending. To us, that kind of program is the most flexible.
Is it worth it for you?
Business owners who find that their spending is concentrated in one or a few areas, may be better off choosing a business credit card with higher rewards in the categories that make most sense for them.
For business owners whose spending habits vary or those who want simple cash-back rewards, though, the unfussy Capital One Spark Cash Select for Business card fits the bill without complication.
Sweetening the pot is a one-time bonus of $200 in cash rewards to cardholders who spend at least $3,000 in purchases in the first three months of card ownership and a 0% intro APR offer for the first nine months on all purchases (then variable APR of 14.49% – 22.49% applies).
Get the most value from Capital One Spark Cash Select for Business
This card comes with a nice bonus of $200 if you spend $3,000 within the first three months which can maximize your first-year value. Like the Capital One Spark Cash for Business, with this card you can get extra credit cards for your employees, a nice perk since the main cardholder accrues all the cash-back earnings.
If you have to travel for work, the Capital One Spark Cash Select has no foreign transaction fees and also comes with Visa Business Benefits, including auto damage and collision protection, emergency and travel assistance services and purchase protection. Take advantage of these extra benefits to boost your value throughout the year.
How to redeem rewards
Your Spark Cash Select for Business cash-back never expires and you can redeem it in any amount, at anytime.