Our Take
4.9
The bottom line:
Capital One Spark Cash Select
on Capital One's website
More details from Capital One
- Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- 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
View Rates & Fees
Pros & Cons
Pros
- No annual fee
- High rewards rate
- No reward caps
Cons
- Requires excellent credit
Compare to Other Cards
at Capital One | at Chase | at American Express |
Annual fee $0 | Annual fee $95 | Annual fee $0 |
Regular APR 17.99%-23.99% Variable APR | Regular APR 20.74%-25.74% Variable APR | Regular APR 17.99%-25.99% Variable APR |
Intro APR N/A | Intro APR N/A | Intro APR 0% intro APR on purchases for 12 months from the date of account opening |
Recommended credit score 720-850excellent | Recommended credit score 690-850good - excellent | Recommended credit score 690-850good - excellent |
Full Review
The Capital One Spark Cash Select is best for small-business owners who:
- Prefer a flat cash-back rate to managing bonus categories.
- Buy inventory from international vendors.
- Don’t want to pay an annual fee.
- Have excellent credit.
- Ink Business Unlimited® Credit Card: Earns1.5% cash back on all purchases, has a long intro APR period and nice welcome bonus.
- Capital on Tap Business Credit Card: Earns1.5% cash back on all purchases and is one of the few business cards for average credit. Capital on Tap is not available to sole proprietors.
Capital One Spark Cash Select: Basics
- Card type: Small business.
- Annual fee:$0.
- Welcome bonus:Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening.
- Rewards:Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
- Interest rate:The ongoing APR is 17.99%-23.99% Variable APR.
- Foreign transaction fees: None.
- Other benefits:
- Itemized year-end spending reports.
- Option to download purchase records quickly and securely to accounting software, including Quicken, QuickBooks and Excel.
Why you might want the Capital One Spark Cash Select
Simple flat-rate rewards
No foreign transaction fees
Why you might want a different card
You want an intro APR period
Your spending aligns with bonus categories, like gas or office supplies
You don’t have excellent personal credit
Is the Capital One Spark Cash Select right for you?
on Capital One's website