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Capital One® Spark® Cash Select for Business

Capital One® Spark® Cash Select for Business


Rated 4/5 stars by our editorial team

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3.8/5.0 from 19 Offer Ratings
Over the Past 60 Days!

(19) Over the Past 60 Days!

  • Regular Purchase APR 14.49% - 22.49% (Variable)
  • Intro Purchase APR 0% on purchases for 9 months
  • Intro BT APR N/A
  • Annual Fee $0
  • Credit Needed


  • Card Brand Visa®

Card Details


  • Click "APPLY NOW" to apply online
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 14.49% - 22.49% variable APR after that
  • No annual fee
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • $0 Fraud Liability if your card is lost or stolen
  • No foreign transaction fees

Card Fees

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 30.90% (Variable)

Ongoing Information

Rewards Rate 1.5% Cash Back on every purchase

Annual Fee $0

Expert Reviews

From the 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 intro APR of 0% 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 14.49% - 22.49% (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


  • 5.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

The rewards program for the Capital One® Spark® Cash Select for Business 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 a nice intro APR on purchases, no annual fee, and you earn 1.5% cash back on all purchases, all the time. Rewards won't expire for the life of the account 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

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Offer Rating


19 Total Ratings

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