Extra Cash for Your Small Business: Capital One Spark Cash Select for Business Credit Card

By Christina Majaski. Last updated 29 March 2018. 0 comments

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If you prefer flat rate rewards programs over rotating categories, the Capital One® Spark® Cash Select for Business Credit Card is one of simplest and most convenient, no-fee business rewards credit cards available. (See also: 5 Best Credit Cards for Small Businesses)

Why We Like This Card

  • $200 one-time cash back bonus
  • 1.5% cash back on all purchases

How This Card Works

This card awards a flat rate of 1.5% cash back on all purchases made with the card. You can earn an unlimited amount of cash back, which does not expire for the life of the account. 

One-time bonus: Earn a one-time $200 cash bonus after spending $3,000 on purchases within 3 months from account opening. (See also: 5 Best Credit Cards That Offer Bonus Cash for Sign-Up)

You can request your cash back as a statement credit or check in any amount, with no minimum requirements.

Other Benefits

Free employee cards. Add employees to your account, set limits, and track spending at no additional charge. 

Business tools. Capital One provides tools which can assist in managing and organizing your business expenses such as quarterly and year-end custom itemized reports of your spending and purchase records that you can download into formats such as QuickBooks and Excel.

Visa SavingsEdge. Ttake advantage of savings and discounts of as much as 15 percent with retailers such as Wyndham Grand Hotels and Resorts and OfficeFurniture.com.

Travel assistance services. These services are available 24 hours a day, every day of the year and are helpful when you are traveling for business and include assistance with services such as ticket replacement, and legal or medical referrals.

Costs

  • $0 Annual Fee
  • 14.49% - 22.49% Variable APR (0% introductory APR on purchases for 9 months)
  • $0 Balance Transfer Fee
  • $0 Foreign Transaction Fee

Considerations

Low rate of rewards. If the majority of your spending falls into a particular category such as gasoline or office supplies, you can earn more rewards with credit cards that award those purchases. (See also 5 Best Credit Cards for Office Supply Purchases)

Who This Card Is Best For

The Capital One Spark Cash Select for Business Credit Card is best for small business owners whose spending varies and does not fall into any specific category from month to month. This card is also one of the best available for small businesses because it is essentially fee-free and is especially ideal if you frequently travel abroad or need to make international purchases.

Click here to learn more and apply for the Capital One® Spark® Cash Select for Business Credit Card today!


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