Capital One Spark Cash Select

Apply for Capital One Spark Cash Select Apply now for Capital One Spark Cash Select at Capital One's secure site Terms & restrictions apply. See rates & fees

Best for small businesses that do not carry a balance

The Capital One Spark Cash Select is a version of the Capital One Spark 1.5% Cash Select, a credit card targeted toward small-business owners.  (Partner Offer)

At a glance

  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • 1.5% Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
Earn $500 cash back
$500 cash back once you spend $4,500 on purchases within the first 3 months from account opening
N/A
N/A
17.49% - 23.49% (Variable)
31.24% (Variable)
33.65% (Variable)
17.49% - 23.49% (Variable)
$0
740-850
Excellent
  • 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

At a glance

  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • 1.5% Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
Earn $500 cash back
$500 cash back once you spend $4,500 on purchases within the first 3 months from account opening
N/A
N/A
17.49% - 23.49% (Variable)
31.24% (Variable)
33.65% (Variable)
17.49% - 23.49% (Variable)
$0
740-850
Excellent
  • 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
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • 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 for unauthorized charges
Apply now for Capital One Spark Cash Select at Capital One's secure site Terms & restrictions apply. See rates & fees

Our Take

TPG Editor's Rating

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3/5

Overview

If you are a small-business owner looking for a credit card to help you earn cash back on your business spending without an annual fee, the Capital One Spark Cash Select  can be a great addition to your wallet. The card earns an unlimited 1.5% cash back on every purchase, with no limits or restrictions. In addition, card members earn an unlimited 5% cash back when booking hotels and rental cars through the Capital One travel portal. New card members also earn a one-time $500 bonus when you spend $4,500 in the first three months of account opening

Read the full review

Pros

  • Unlimited 1.5% cash back on all purchases.
  • Decent welcome offer.
  • No annual fee.

Cons

  • Few bonus categories.
  • Requires excellent credit.
  • Bonus cash-back only applies when booking through Capital One’s travel portal.

Who is this card good for?

The Capital One Spark Cash Select is a great card for any small-business owner who is diligent about paying off their balance in full and looking to earn miles on their business spending. The card offers unlimited 1.5% cash back, a $500 welcome offer and no annual fee. 

Earning Rewards

You’ll earn unlimited 1.5% cash-back rewards on all your purchases. Rental cars and hotels booked through Capital One Travel will be eligible for 5% cash back.