Capital One® Spark® Cash Select for Business Review

Last Updated: January 18, 2020
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Capital One® Spark® Cash Select for Business


Unlimited 1.5% cash back

Bonus Signup Offer

Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months


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 the first 3 months
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

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Capital One® Spark® Cash Select for Business Reviews


As a small-business owner, you may be so focused on how to increase your revenues and cut your costs that you don’t have time to deal with a complicated business credit card. Enter the Capital One® Spark® Cash Select for Business, a no-frills, cash-back credit card that offers simple rewards for every purchase you make.

A hassle-free credit card which lets you earn a high rate of cash back on all purchases charged to your account, and redeem that cash back quickly and easily whenever you choose.

Time 2016-09-19

This no hassle, no-fee card features an industry-leading rewards and fee structure for small-business owners.

Magnify my Money 2015-07-10

The only real con of this card is its eligibility requirements. If you don’t have excellent credit you’ll have to work on building it before you can apply.


Capital One aims Spark Cash Select at the wallets of America's most frugal business owners with a feature set designed to scale. This card currently offers a zero percent introductory APR on purchases for nine months.


Makes an excellent choice for those who travel overseas. The foreign transaction fee is waived, as usually 3% of all your international purchases can add up quickly.


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.

Money Crashers

A no-nonsense credit card with a simple, straightforward cash back rewards program and minimal fees.

Nav 2019-12-02

A good option for businesses that are ok with a slightly lower rewards rate in exchange for a lower APR.

WiseBread 2020-01-06

If you prefer flat rate rewards programs over rotating categories, this is one of simplest and most convenient, no-fee business rewards credit cards available.