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At a glance

Rewards rates

1.5%
1.5% cash back on every purchase
5%
5% cash back on hotels and rental cars booked through Capital One Business Travel

Intro offer

Earn a $750 bonus

Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening

Introductory purchases APR

0% intro on purchases for 9 months

Ongoing purchases APR

16.99% - 26.99% (Variable)

Introductory balance transfer APR

N/A

Ongoing balance transfer APR

16.99% - 26.99% (Variable)

Ongoing cash advance APR

30.74% (Variable)

Ongoing penalty APR

33.15% (Variable)

Annual fee

$0

Recommended credit

740-850Excellent

More details

  • Earn a $750 bonus when you spend $6,000 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

Rewards rates

1.5%
1.5% cash back on every purchase
5%
5% cash back on hotels and rental cars booked through Capital One Business Travel

Intro offer

Earn a $750 bonus

Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening

Introductory purchases APR

0% intro on purchases for 9 months

Ongoing purchases APR

16.99% - 26.99% (Variable)

Introductory balance transfer APR

N/A

Ongoing balance transfer APR

16.99% - 26.99% (Variable)

Ongoing cash advance APR

30.74% (Variable)

Ongoing penalty APR

33.15% (Variable)

Annual fee

$0

Recommended credit

740-850Excellent

More details

  • Earn a $750 bonus when you spend $6,000 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
  • Enjoy a 0% APR for the first 9 months of opening
  • No annual fee
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business 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
  • Top rated mobile app
at Capital One's secure site.
Terms & restrictions apply. See rates & fees.

Our take

TPG Editor's Rating
Star 1Star 2Star 3Star 4Star 5
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 Business Travel. New card members also earn a one-time $750 bonus when you spend $6,000 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 Business Travel.

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 $750 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 Business Travel will be eligible for 5% cash back.

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Ad disclosure

Earn a $750 bonus

Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening

at Capital One's secure site.
Terms & restrictions apply. See rates & fees.
  • Rewards Rates

    1.5 - 5% cash-back

  • Annual Fee

    $0

  • Regular APR

    16.99% - 26.99% (Variable)

  • Recommended Credit

    Excellent

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