Capital One® Spark® Cash Select for Business

Robin Saks Frankel  in  Business How we rate our cards  |  Advertiser Disclosure
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Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

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Best for cash back with no annual fee

Annual Fee:
Purchase Intro APR:
0% on purchases for 9 months
Balance Transfer Intro APR:
Regular APR:
15.24% - 23.24% (Variable)
Terms and Restrictions Apply

Bankrate Rating

Commonly used for: Business, Cash Back, Rewards.

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.

However, many businesses will find that their spending is concentrated in one or a few areas, in which case you may be better off choosing a business credit card with higher rewards in those categories.

Who should get this card

For business owners whose spending habits vary or those who want simple cash-back rewards, the unfussy Capital One Spark Cash Select for Business card fits the bill.

Sweetening the pot is a one-time bonus of $200 in cash rewards to cardholders who accrue at least $3,000 in charges 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 15.24% – 23.24% applies).

  • Earn an unlimited 1.5% cash-back reward on all purchases.
  • Rewards never expire as long as the account is open and in good standing.
  • There are no rotating or special bonus categories to keep track of.
  • There's no annual fee.
  • The penalty APR for late payments is high, plus there’s a penalty fee, so if you anticipate having at least one late payment, you may want to consider a card with a more forgiving policy.
  • The APR on balance transfers also is high, so this card may not be a good choice for those looking to save interest on a balance transfer.
  • Small business owners who want to earn transferable points instead of cash back may be better off with a different kind of rewards card.
  • There are other small business cards that offer higher rewards rates -- up to 5X back in specific categories.

Fees and APR

  • This card carries no annual fee.
  • There are no foreign transaction fees for purchases made outside the United States.
  • The variable penalty APR is a high 31.65% if you make a late payment.
  • After the introductory period, the standard APR is a variable 15.24% to 23.24% based on your creditworthiness.

Extras, perks and using rewards

This card comes with a nice bonus of $200 if you spend $3,000 within the first three months. 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.

Cash-back never expires and you can redeem it in any amount, anytime.