Capital One® Spark® Cash Select for Business Review

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Our Detailed Review of This Card

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If your business is looking for a card with a nice combination of unlimited cash back rewards on all purchases, no annual fee and a 0% intro APR period on purchases, Capital One® Spark® Cash Select for Business is for you.

To start, you’ll earn an intro bonus of $200 cash once you spend $3,000 on purchases within the first 3 months from account opening. Plus, you’ll get an unlimited 1.5% cash back on all purchases, which is one of the most generous cash back rates we’ve found for all purchases on any business card with no annual fee. Your cash back rewards don’t expire, so depending upon how much you spend each year on your business, they could really add up. And if you take advantage of the free employee cards, you can really maximize the cash back you’re earning. If you’re OK with paying an annual fee and want an even higher 2% back on all purchases, check out its sister card, Capital One® Spark® Cash for Business.

In addition to the great rewards, you’ll also enjoy an introductory APR of 0% on purchases for 9 months (then 14.74% - 22.74% (Variable)). This can come in handy, particularly if you need to make any purchases for your business that you’d like to defer interest fees on.

Card perks include no foreign transaction fees (so you’ll save a lot when traveling outside the U.S.), extended warranty protection, purchase security, travel assistance and auto rental collision coverage. Plus, you’ll receive a quarterly and year-end itemized report of your spending to assist with budgeting and taxes.

Overall, Capital One® Spark® Cash Select for Business is a strong business card with terrific cash back rewards, an intro APR of 0% on purchases for 9 months and no annual fee.

Rewards

  • Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening.
  • Earn 1.5% cash back on all purchases.
  • Unlimited cash back rewards with no expiration date.

Redeem Rewards

  • Request your cash back anytime, online or by phone.
  • Or set up automatic redemption at a set time each calendar year or automatically when a specific dollar threshold has been reached.

Fees and APR

  • Annual Fee: $0.
  • Foreign Transaction Fees: None.
  • Purchase APR: 0% on purchases for 9 months, then 14.74% - 22.74% (Variable).
  • Balance Transfer APR: 14.74% - 22.74% (Variable).
  • Balance Transfer Fee: N/A.
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Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.