Capital One® Spark® Cash Select for Business

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  • 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; 13.99% - 21.99% 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, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend      
Annual Fee:
$0
Purchase Intro APR:
0%*
(9 months)
Purchase Regular APR:
13.99% - 21.99%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
13.99% - 21.99%*
Variable

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 23.99%* Variable
Cash Advance Fee 3%, Min: $10
Late Fee Up to $39
Penalty APR 30.40%* Variable
Balance Transfer Fee N/A
Foreign Transaction Fee None
Return Payment Fee See Terms*

Rewards

Sign-Up Bonus

Earn $200 after you spend $3,000 in 3 months.

All Purchases

1.5% cash back per dollar

No cap on spending


Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
JSD9
Useful for 2% cash back for business
by JSD9
Helpful to 6 out of 7

I got this card last year for our small business and while it does have a limited CL of $2,500for us that isn't much of a problem as I pay it off twice a month online anyways.

The annual fee is a bit of a drag though.

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Review
JSD9
Useful for 2% cash back for business
by JSD9
Helpful to 6 out of 7

I got this card last year for our small business and while it does have a limited CL of $2,500for us that isn't much of a problem as I pay it off twice a month online anyways.

The annual fee is a bit of a drag though.


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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from January 2017 through June 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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