Features

Who is Capital One's Spark Cash Select Business Card Designed For?

The Sparks Cash Select Business 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 Interest Rates for Capital One's Spark Cash Select Business Card?

Interest rates for the Spark Cash Select Business card ranges from 12.9% to 20.9%, depending among other things on creditworthiness and income. Cash advances have a 24.9% APR. The penalty rate for members who are late making payments is steep: 29.4% APR.

What Are the Fees for Capital One's Spark Cash Select Business Card?

Spark Cash Select Business card 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 list, there are no foreign transaction, returned payment or over-the-credit-limit fees.

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

Spark Cash Select Business 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 Capital One's Spark Cash Select Business Card Signup Bonus?

New users receive a $100 cash bonus when they spend $3,000 on their card during the first three months.

Does Capital One's Spark Cash Select Business Card 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 Capital One's Spark Cash Select Business Card 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 $100 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.

  • Card Type
    Balance Transfer Rewards
  • Customer Type
    Business
  • Card Network
    Visa
  • Minimum Age
    18
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $39
  • Minimum Interest Charge
    $1
  • Over-Limit Fee
    $39
  • Returned Payment Fee
    $39
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Purchases APR
    12.9% - %
  • Balance Transfer APR
    12.9% – 20.9% var. APR% - %
js-table-filter bizname-capital-one-spark-classic-business-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
22.9
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Cashback
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 22.9%
Balance Transfer APR 22.9% var. APR%
090
js-table-filter bizname-capital-one-spark-cash-business-card
59
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
13.9
js-table-filter no-annual-fee-first-year-225
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Cashback
  • No Annual Fee First Year
  • 0% Introductory APR
  • No Foreign Transaction Fee
Annual Fee $59
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.9%
Balance Transfer APR 13.9% – 20.9% var. APR%
158
js-table-filter bizname-capital-one-spark-cash-select-business-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
12.9
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Cashback
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.9%
Balance Transfer APR 12.9% – 20.9% var. APR%
048
js-table-filter bizname-capital-one-spark-miles-business-card
js-table-filter air-miles-136
59
js-table-filter ccard-type-222
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
17.24
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Air Miles
  • Every Purchase
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Annual Fee $59
Card Type Cash Back
Card Type Balance Transfer
Card Type Rewards
Purchases APR 17.24%
Balance Transfer APR 17.24%
168
js-table-filter bizname-capital-one-spark-miles-select-business-card
js-table-filter air-miles-136
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
12.9
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Air Miles
  • Every Purchase
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.9%
Balance Transfer APR 12.9% – 20.9% var. APR%
058
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There are definitely worse cards to have than this one. There are no annual fees and no limits on how much cash back you can earn, plus you don't have to worry about which category is up this month. If you have good credit you should go for it; if you have excellent credit you might do better with another card that has more generous rewards.


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