Capital One® Spark® Cash Select for Business


For People with
Good Credit

REVIEWS

Reviews

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.

You’ll also get an introductory APR of 0% for 9 months for purchases, before the regular rate of 14.74%, 18.74%, or 22.74% Variable kicks in.

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.

Card Quick Facts

Card Quick Facts

  • Earn 1.5% cash back on every purchase, every day
  • 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; 14.74%, 18.74%, or 22.74% Variable variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • Earn unlimited cash rewards that don’t expire

For People with
Good Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • Earn 1.5% cash back rewards for every $1 spent on all purchases
  • There is no limit to the amount of rewards you can earn

Introductory Bonus

  • Spend $3,000 in the first 3 months and get a $200 cash bonus
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 14.74%, 18.74%, or 22.74% Variable
Intro Purchase APR 0% for 9 months
Foreign Transaction Fee 0%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR 31.15% Variable
Late Fee Up to $38
Returned Payment Fee -
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 14.74%, 18.74%, or 22.74% Variable
Balance Transfer Fee 0%
Cash Advances

Cash Advances

Cash Advance APR 24.74% Variable
Cash Advance Fee 3%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Reports to Business Credit Bureaus

    Capital One business cards report your card activity to Dun & Bradstreet, Experian, and Small Business Financial Exchange.

  • 24/7 Concierge Service

    Call for non-emergency help with a variety of tasks, like making travel arrangements and finding hard-to-find gifts.

  • Visa® SavingsEdge

    Save up to 15% at www.visasavingsedge.com.

  • Visa Signature Luxury Hotel Collection

    Get discounts and benefits at over 900 hotel properties.

  • Movie Discounts

    Get discounts at fandango.com/visasignature

  • Fine Wine & Food

    Special dining events and wine tasting at Sonoma County wineries.

  • Sports Experiences

    Access to popular sporting events and premiere golf benefits at Pebble Beach Resorts®.

  • Shopping Discounts

    Discounts and special offers at premium retailers, from jewelry to apparel and electronics.

  • Quarterly and Year-End Summary

    Get itemized spending reports to help simplify accounting and taxes.

  • Downloadable Purchase Records

    Easily download your records in a variety of formats, including QuickBooks™ and Excel®.

  • Free Employee Cards

    And earn rewards when your employees spend with their cards.

  • Spark Business Customer Service Representatives

    Speak with specially trained reps whenever you’d like for help with any questions you have.

  • Account Alerts

    Get alerts about account information on your phone.

  • Mobile App

    Manage your account from your phone.

  • Financial Tools & Tips

    Educate yourself on credit with Capital One resources.

  • Fraud Protection

    You will not be held responsible for unauthorized use of your card.

  • Purchase Protection

    Provides coverage against lost or stolen items within 90 days from the date of purchase.

  • Extended Warranty Protection

    Extends a manufacturer’s warranty at no charge.

  • Price Protection

    If you find an item you purchased at a lower price price, you can be reimbursed the difference.

  • Travel and Emergency Assistance

    Provides help with travel emergencies, including emergency card replacement or cash advances.

  • Travel Accident Insurance

    Covers you and your family in the case of physical accidents.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision, as long as the car rental company’s own insurance is declined.

  • Lost Luggage Reimbursement

    If checked or carry-on bags are lost or damaged, provides reimbursement up to $3,000 per passenger.

  • Roadside Assistance Hotline

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency.

Visitor Reviews

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Average rating:  
 1 reviews
by Misola
Horrible Customer Service

I have now spent 1 1/2 hours trying to activate this card. Downloaded the app. Set up a online account. Just keeps saying "card restricted" Called Customer Service twice with no luck. Will probably cancel this card. If it's This bad out the gate, what will happen later!

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