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Capital One Spark Cash Select – $500 Cash Bonus

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An inexpensive, simple way for business owners to earn some cash back, the Spark Cash Select for Business earns a flat 1.5% cash back on all your purchases with no cap. You’ll also get some standard business benefits like free employee cards and shopping protections.

Spark Cash Select
Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 13.24% - 19.24% (Variable)

Capital One Spark Cash Select – $500 Cash Bonus

Our rating
Good Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features


Spending Rewards
  • 1.5% cash back for all purchases
Introductory Bonus
  • $500 cash bonus for spending $4,500 in the first 3 months after account opening

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 13.24% - 19.24% (Variable)
Balance Transfer Fee $0 at this Transfer APR
How to Transfer a Balance on a Credit Card


Penalty APR 29.40% (Variable)
Late Fee Up to $39
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 26.99% (Variable)
Cash Advance Fee 3% of the amount of the cash advance, but not less than $10
How to Get a Cash Advance with a Credit Card
Capital One Spark Cash Select – $500 Cash Bonus


  • Earn a $500 bonus when you spend $4,500 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
  • No annual fee
  • 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 if your card is lost or stolen
  • No foreign transaction fees

Capital One Business

Capital One Business has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-227-4825 or

Try a different phone number
See all Issuer Cards

With the Capital One Spark Cash Select for Business, cardholders get a nice reward for every purchase — unlimited 1.5% cash back.

There’s no limit to the amount of cash back users can earn, your rewards won’t expire, and there’s no annual fee.

Capital One designed this card for people with excellent credit, but if your scores fall in the “good” range you probably have a decent chance of being approved, depending on other factors that affect your creditworthiness.

Insider tip

Unlike most business cards, the Spark Cash Select will report all activity (positive and negative) to the consumer credit bureaus. It also reports positive activity to the business credit bureaus, like many other business cards.

The information related to Capital One Spark Cash Select – $500 Cash Bonus has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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