Capital One® Spark® Cash Select for Business Review

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 a whopping $200 bonus cash back once you spend $3,000 on purchases within 3 months from account opening. Plus, you'll get an unlimited 1.5% cash back on all purchases, the highest cash back rate 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 okay with paying an annual fee and want an even higher 2% back on all purchases, check out its sister card the Capital One Spark Cash for Business.

In addition to the great rewards, you'll also enjoy a 0% intro APR for 9 months. 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, a 0% introductory APR on purchases for 9 months and no annual fee.


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

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 15.24% - 23.24% (Variable).
  • Balance Transfer APR: 15.24% - 23.24% (Variable).
  • Balance Transfer Fee: N/A.

Apply for a Capital One® Spark® Cash Select for Business card

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