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Spark Cash Select From Capital One

in Business Credit Cards

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Spark Cash Select From Capital One

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in Business Credit Cards

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Overview

Who is Spark Cash Select From Capital One Designed For?

Spark Cash Select From Capital One is designed for business owners with excellent credit who want a simple to use no-nonsense cash card with no annual fee that still offers a signup bonus and travel and purchase benefits.

What Are the Rates for Spark Cash Select From Capital One?

There is an introductory 0% APR on purchases for the first 9 months. After that, purchase and balance transfer rates for the Spark Cash Select From Capital One business credit card range from 13.99% APR to 21.99% APR, depending among other things on creditworthiness and income. Cash advances have a 23.99% APR. The penalty rate for members who are late making payments is steep: 30.40% APR.

What Are the Fees for Spark Cash Select From Capital One?

Spark Cash Select From Capital One does not charge an annual fee or a balance transfer fee. The cash advance fee is 3% with a $10 minimum and late payments come with a $39 penalty fee. However, that is it, there are no foreign transaction, returned payment or over-the-credit-limit fees.

What Is Spark Cash Select From Capital One's Rewards Program Like?

Spark Cash Select From Capital One doesn't have the bells and whistles other reward programs offer. Its reward rate is nothing to write home about, 1.5% cash back, but it applies to all purchases and there aren't any categories, caps or requirements to worry about. Redeeming is also easy. There are no limits to how many points you can earn and you can redeem you cash at any time with no minimum amount.

What about Spark Cash Select From Capital One's Signup Bonus?

New users receive a $200 cash bonus when they spend $3,000 on their card during the first three months.

Does Spark Cash Select From Capital One Have Any Other Benefits?

Capital One's Spark Cash Select business card offers members auto rental insurance, purchase security and extended protection on purchases. It also includes travel and emergency assistance services, fraud coverage and free additional cards for employees.

How Is Spark Cash Select From Capital One Better Than Other Credit Cards?

Although Spark has a middle of the road rewards rate of 1.5%, this rate applies to all purchases, so members don't have to mess around with revolving categories or spending caps when earning or redeeming points. It includes a $200 signup bonus, for users who spend at least $3,000 within the first 90 days. Capital One's Spark Cash Select also provides prime benefits, such as car rental insurance, travel assistance and purchase protection. All without charging an annual fee.

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Feature Breakdown

Annual Fee
$0
Grace Period / Deferred Interest (Months)
25
No Annual Fee
Foreign Currency Transaction Fee
0%
No Foreign Transaction Fee
Late Payment Penalty
$39
Credit Score Range
700 - 850
850 300 700
Minimum Age
18
Customer Type
Business
Card Type
  • Cash Back
  • Rewards
  • Zero Percent
Card Network
  • Visa
Extended Warranty
Car Rental Insurance
Fraud Liability
Emergency Support
Flight Insurance
Lost Luggage Insurance
Travel Insurance
Rewards Categories
  • Every Purchase
Every Purchase
1.5%
Purchases APR
13.99% - 21.99%
10% 25%
Balance Computation
average daily balance
Penalty APR
30.4%
Introductory Rate
0%
Balance Transfer APR
13.99% - 21.99%
10% 22%

Reviews

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Capital One Business Credit Cards

Product

Reviews

Purchases APR

Balance Transfer APR

Annual Fee

Credit Score Range

Spark Classic for Business From Capital One

Spark Classic for Business From Capital One

 
6
 
8 total votes
Starting Purchases APR 23.99% Starting Purchases APR
Starting Balance Transfer APR 23.99% Starting Balance Transfer APR
Annual Fee $0 Annual Fee
Credit Score Range 600 - 750 600 850
Spark Cash for Business From Capital One

Spark Cash for Business From Capital One

 
1
 
1 total votes
Starting Purchases APR 17.99% Starting Purchases APR
Starting Balance Transfer APR 17.99% Starting Balance Transfer APR
Annual Fee $59 Annual Fee
Credit Score Range 700 - 850 600 850
Spark Miles Select From Capital One

Spark Miles Select From Capital One

 
1
 
1 total votes
Purchases APR 13.99% - 21.99% 10% 25%
Balance Transfer APR 13.99% - 21.99% 10% 22%
Annual Fee $0 Annual Fee
Credit Score Range 700 - 850 600 850
Spark Miles From Capital One

Spark Miles From Capital One

1
 
 
1 total votes
Starting Purchases APR 17.99% Starting Purchases APR
Starting Balance Transfer APR 17.99% Starting Balance Transfer APR
Annual Fee $59 Annual Fee
Credit Score Range 700 - 850 600 850