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Capital One® Spark® Cash Select for Business

in Business Credit Cards from Capital One

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Capital One® Spark® Cash Select for Business

Claimed

in Business Credit Cards from Capital One

Net Recommendation Score 0

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 13.99% - 23.99%
Balance Transfer APR  (Variable APR) 13.99% - 23.99%
Credit Score Range 700 - 850
Annual Fee $0

Capital One® Spark® Cash Select for Business Review

Key Takeaways
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 9 months.
  • Signup bonus. Offers a signup bonus of $200 if you spend $3000.
  • Competitive APRs. Capital One® Spark® Cash Select for Business has a variable purchase APR that ranges from 13.99% up to 23.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel assistance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Capital One Spark Cash Select
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR on new purchases during the first 9 months.
  • No annual fee.
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel assistance insurance
  • No foreign transaction fee.
  • Capital One® Spark® Cash Select for Business reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Rewards bonus rate of only 1.5% on most everyday purchases. Terms apply*.
Capital One Spark Cash Select FAQ

Who is Capital One Spark Cash Select designed for?

This is a credit card issued by Capital One. 

This business card is designed for small business owners with good credit. The minimum credit score to apply is 700.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 13.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 23.99%.

It also has a variable cash advance APR of 26.99%. Note that late payments are subject to an APR of 29.4% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does it have an introductory APR offer?

No, this business card does not come with an introductory APR offer for balance transfers.

This business card does offer an introductory APR rate on new purchases of 0% for a period of 9 months.

Capital One Spark Cash Select Rates & Terms
Purchase APR 13.99% - 23.99%
Balance Transfer APR 13.99% - 23.99%
Cash Advance APR 26.99%
Penalty APR 29.4%

What fees does it charge?

The following fees apply to this business credit card:

  • There is no annual fee.
  • A late payment penalty of up to $39.

Does it charge a foreign transaction fee?

This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Capital One Spark Cash Select Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Balance Transfer Fee 0%
Late Payment Fee up to $39

Does it offer a cash back rewards program?

The rewards program allows you to earn cash with every purchase you make. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

  • Every Purchase

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business credit card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Assistance
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (877) 383-4802.

What is the support contact email?

The support contact email for this business credit card is support@capitalone.com.

How do people rate the customer service and user experience?

Overall, this business credit card is mostly recommended based on community reviews that rate customer service and user experience.

Does Capital One® Spark® Cash Select for Business report your account activity to credit bureaus?

Yes, Capital One® Spark® Cash Select for Business reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the Capital One website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Capital One® Spark® Cash Select for Business

Great for businesses that want to carry a balance with an introductory APR. Earn unlimited 1.5% cash back for your business on every purchase, everywhere—no limits or category restrictions. Your payment will be the greater of $15 or 1% of your balance plus new interest, late payment fees, and any past due amount. Get cash back rewards for any amount at any time with no expiration date for the life of the account. Set up AutoPay so you don’t have to worry about signing into your account every month. If your card is lost or stolen, you can get an emergency replacement and a cash advance. Get an itemized report of your spending to simplify budgeting and tax time. Assign an account manager to make purchases and payments, review transactions and resolve any problems. Quickly and securely download your purchase records into multiple formats including Quicken®, QuickBooks® and Excel®. Make safer payments online without exposing your actual card number with merchants.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Capital One

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View all business credit cards offered by Capital One

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 9 months
Annual Fee $0
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) 3%
Cash Advance Fee Minimum $10
Late Fee Amount Up to $39
Customer Type Business
Minimum Age 18
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Bonus Rewards Earn $200 once you spend $3,000 in the first 3 months from account opening
Rewards Rates
  • Every Purchase
Signup Bonus $200
Balance Computation average daily balance
Cash Advance APR (Variable APR) 26.99%
Penalty APR (Variable APR) 29.4%
Purchase APR (Variable APR) 13.99% - 23.99%
Balance Transfer Fee % 0%
Balance Transfer APR (Variable APR) 13.99% - 23.99%
Card Network Visa
Card Type
  • Cashback
  • Zero Percent

Capital One® Spark® Cash Select for Business Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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