Capital One® Spark® Cash Select for Business
on Capital One's website
Capital One® Spark® Cash Select for Business
Card details
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 from account opening
Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
No annual fee
Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Get employee cards at no additional cost, and earn rewards from their business spend
Rates, fees & offers
Annual fee
$0
Rewards rate
1.5%
Bonus offer
Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
Intro APR
0% on Purchases for 9 months
Ongoing APR
APR: 14.74% - 22.74% Variable APR
Penalty APR: 31.15%, Variable
Cash Advance APR: 24.74%, Variable
Foreign transaction fee
None
Recommended credit score
NerdWallet review
By Ben Luthi
Rating details
3.8
Editor's overall rating
Pros and cons
Pros
High rewards rate
No annual fee
No foreign transaction fee
Cons
If you need a credit card for your small business, but don't care for extra frills or fees, the Capital One® Spark® Cash Select for Business is a simple solution. With it, you can earn 1.5% cash back on every purchase, every day. Plus, get a jump start on your rewards with its sign-up bonus: Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening.
The Capital One® Spark® Cash Select for Business is also useful if you need a few extra months to pay off a big investment in your business, such as office supplies, with its offer of 0% on Purchases for 9 months, and then the ongoing APR of 14.74% - 22.74% Variable APR.
Controlling expenses is important for entrepreneurs, so the Capital One® Spark® Cash Select for Business’s $0 annual fee and no foreign transaction fees can help you keep costs down, especially if you travel internationally for business. For more information, see NerdWallet's full review.
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