Capital One® Spark® Cash Select for Business

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Kendall Little @kendallnlittle  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.

Annual Fee:
Purchase Intro APR:
0% on purchases for 9 months
Balance Transfer Intro APR:
Regular APR:
14.49% - 22.49% (Variable)
Terms and Restrictions Apply

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The information about the Capital One Spark Cash Select for Business card has been collected independently by The card details have not been reviewed or approved by the card issuer.

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.


  • 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.

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.