Advertiser & Editorial Disclosure

Capital One® Spark® Cash Select for Business

Capital One® Spark® Cash Select for Business
Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business. Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening. Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that. No annual fee. Use Spark Cash Select across all your business spend, with no categories to limit your purchasing. Rewards won't expire for the life of the account, and you can redeem your cash back for any amount. Get employee cards at no additional cost, and earn rewards from their business spend.

Nav's Verdict

80% Complete
Effort to Apply
100% Complete
Card Perks
80% Complete
80% Complete


Bottom Line

A good option for businesses that are ok with a slightly lower rewards rate in exchange for a lower APR.


A great intro offer with rewards flexibility, solid benefits, and a competitive APR for those with excellent credit.


Steep penalties for late payments.

Features & Benefits

Fraud Coverage

You're covered by $0 Fraud Liability if your card is ever lost or stolen

Intro APR
0% on purchases for 9 months
Purchase APR
14.74% - 22.74% (Variable)
Annual Fee
Welcome Offer
$200 Cash Back once you spend $3,000 on purchases within 3 months from account opening
Rewards Rate
1.5% Cash Back on every purchase, every day.
Foreign Transaction Fee


Reviews Disclosure: The responses below are not provided or commissioned by the credit card, financing and service companies that appear on this site. Responses have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.

December 2 2016

Great service

December 1 2016

Very good insight from NAV, they were able to analyse my financial situation and tailored to my needs.

December 1 2016

Capital One was first company to offer me a credit card for my business - even though my personal credit was poor and I had no business credit at all. Their website is easy to use, and I am looking forward to building my business credit up! I love this card!

December 1 2016

Capital one spark has been great and helpful in make my business be successful.

December 1 2016

Really like the card. I'll need more time using it before l really know.

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