- Click APPLY NOW to apply online.
- Earn a $750 bonus when you spend $6,000 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
- Enjoy a 0% APR for the first 9 months of opening
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business 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
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Rates & Fees
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
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Annual Fee$0
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Welcome Offer$750 Cash Back
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Rewards Rate1.5% - 5% Cash Back
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Credit Needed
Bottom Line
The rewards program for the Capital One Spark Cash Select Card is user-friendly so you don’t have to worry about 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.
Our Take
The Good
The card comes with no annual fee and you earn cash back on all purchases, all the time. 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.
HIGHLIGHTS
Additional Details
Card Fees
- Foreign Transaction Fee: None
- Balance Transfer Fee: Balance transfers are not available on Spark Cash Select
- Penalty APR: 32.9% (Variable)
Ongoing Information
- Rewards Rate: 1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Business Travel
- Annual Fee: $0
Expert Reviews
From the CompareCards.com Editorial Team, updated on Aug 11, 2026
The Capital One Spark Cash Select 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 every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Business Travel. The APR ranges from 16.74% - 26.74% (Variable), depending on creditworthiness, and employee cards can be added at no additional cost.
Expert Reviews of Capital One Spark Cash Select
The Bottom Line
The rewards program for the Capital One Spark Cash Select Card is user-friendly so you don’t have to worry about 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 no annual fee and you earn cash back on all purchases, all the time. 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 may not have been reviewed, approved or otherwise endorsed by Capital One.
Consumer Reviews
OFFER RATING
/5.0
Related Card Offers
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Annual Fee$0
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Welcome OfferN/A
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Rewards RateNone
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Credit Needed
Bottom Line
This card is ideal for growing, revenue-generating businesses that need flexible access to capital. Review your funding limits and repayment terms to see how the Flex Line can work for your business.
Our Take
The Good
We like that the spending limit for this business card grows as your revenue grows, and you can get your funds deposited straight into your bank account.
The Not So Good
This card does not earn rewards, and it also presents some risks since you can sell a portion of your future earnings to get funds now.
HIGHLIGHTS
- Click APPLY NOW to apply online.
- No annual fee and no draw fee
- Includes flex line, similar to a line of credit and only pay for what you use
- Access cash on demand with funds deposited straight into your bank account
- Fast and easy application process - apply online and receive a funding decision in as little as an hour
- Approvals based on your business revenue and not personal credit
- As your revenue increases, spending limits also increase
- Access to business credit tools - Revenued reports to D&B to help build your business credit
- Rated Excellent on Trustpilot with 800+ reviews
- Business requirements: 1+ years in business, minimum of 20k/month deposits, and no Sole Proprietorships
See Additional Details for Revenued Business Card
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Annual FeeN/A
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Welcome OfferN/A
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Rewards Rate5% cash back on prepaid air, hotels, and car rentals booked directly in the Travel Center when using your card.
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Credit Needed
Bottom Line
HIGHLIGHTS
- Click APPLY NOW to apply online.
- 0% Intro APR on purchase and balance transfers for 12 billing cycles. After that, a variable APR currently 16.24% - 25.24%.
- No annual fee.
- 5% cash back on prepaid air, hotels, and car rentals booked directly in the Travel Center when using your card.
- $50 annual statement credit after $5,000 in purchases made through the Travel Center when using your card.
- $0 fee ExtendPay offer annually (3 months).
- Additional benefits include Extended Warranty, Purchase Protection, Cell Phone Protection, and Auto Rental Collision damage insurance.
- Terms and conditions apply.
- Rates & Fees
See Additional Details for U.S. Bank Business Shield™ Visa® Card
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Annual Fee$0 intro annual fee for the first year, $95 thereafter.
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Welcome OfferN/A
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Rewards Rate
- 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- 2X points on dining, takeout, restaurant delivery and cell service providers.
- 1X points on all other eligible spend.
5X - 1X points -
Credit Needed
Bottom Line
HIGHLIGHTS
- Click APPLY NOW to apply online.
- Earn 75,000 bonus points if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- Terms and conditions apply.
- Rates & Fees
See Additional Details for U.S. Bank Business Altitude® Connect Visa Signature® Card
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion.
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