Capital One Spark Cash Select for Business

Capital One Spark Cash Select for Business

on Capital One's website

Capital One Spark Cash Select for Business

Capital One Spark Cash Select for Business

Capital One Spark Cash Select for Business

on Capital One's website

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Card details

  • 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; 13.99% - 23.99% 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

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1.5%

  • Bonus offer

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

  • Intro APR

    0% intro APR on Purchases for 9 months

  • Ongoing APR

    APR: 13.99% - 23.99% Variable APR

    Cash Advance APR: 26.99%, Variable

    Penalty APR: 29.40%, Variable

  • Balance transfer fee

    $0 at the Transfer APR

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$0

Annual Fee

$95

Annual Fee

$0 intro for the first year, then $95

Regular APR

13.99% - 23.99% Variable APR

Regular APR

15.99% - 22.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Intro APR

0% intro APR on Purchases for 9 months

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

NerdWallet review

By Ben Luthi

Rating details

4.2

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: Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 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% intro APR on Purchases for 9 months, and then the ongoing APR of 13.99% - 23.99% 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.