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Capital One® Spark® Cash Select for Business

Capital One® Spark® Cash Select for Business

 

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Your Rating:

4.0/5.0 from 5 Offer Ratings
Over the Past 60 Days!

(5) Over the Past 60 Days!

  • Regular Purchase APR 13.24% - 21.24% (Variable)
  • Intro Purchase APR 0% on purchases for 9 months
  • Intro BT APR N/A
  • Annual Fees $0
  • Credit Needed

    Excellent/Good

  • Card Brand Visa

Card Details

Highlights

  • Click "APPLY NOW" to apply online
  • 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 of approval
  • Save on interest with 0% intro APR on purchases for 9 months; 13.24%-21.24% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards don't expire, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend

Card Fees

Late Payment Fees Up to $39

Foreign Transaction Fee None

Balance Transfer Fee N/A

Cash Advance Fee 3% of the amount of the cash advance, but not less than $10

Penalty APR 29.65% (Variable)

Minimum Interest Charge See Terms*

Ongoing Information

Rewards Cap No Cap

Rewards Rate 1.5% cash back on every purchase, every day

Annual Fee $0

Grace Period 25 days

Expert Reviews

From the CompareCards.com Editorial Team

The Capital One Spark Cash Select for Business Card is another rewards credit card that business owners will find quite useful. First, Capital One has a reputation for good customer service and innovative rewards programs, and this card is another one that comes with an attractive rewards program.

Some features include 1.5% cash back on all purchases with no annual fee and a 0% introductory APR on purchases for 9 months. Rewards can be redeemed whenever you want with no restrictions. Users will also enjoy features like travel assistance, purchase security, and other convenient tools to help you manage your account and save money.

The APR ranges from 13.24% - 21.24% (Variable), depending on creditworthiness, and employee cards can be added at no additional cost. 

Expert Reviews of the Capital One® Spark® Cash Select for Business

  • 4.0

    Regular APR

  • 4.0

    Intro APR

  • 4.0

    Fees

  • 5.0

    Benefits

  • star rating 4.0/5

    Overall Rating

The Bottom Line

The rewards program is user-friendly so you don’t have to worry about rewards expiring or limitations on how many dollars in cash back you can earn. There are also some nice features for those running a business, like tools to set spending limits on additional cards and helpful expense reports.

The Good

The card comes with 0% APR on purchases for 9 months, no annual fee, and you earn 1.5% cash back on all purchases, all the time. Rewards don't expire and come with the option of automatic redemption.

The Not so Good

The card is designed for those who want cash back rewards, so if that’s not your priority then you might want to choose a different card.

Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by Capital One.

Consumer Reviews

  • star rating mask

Offer Rating

4.0/5.0

5 Total Ratings

5 Star
 
 
(1)
4 Star
 
 
(3)
3 Star
 
 
(1)
2 Star
 
 
(0)
1 Star
 
 
(0)

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