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Capital One® Spark® Cash Select for Business

Credit needed
Excellent, Good
APR
13.99% to 19.99%
Annual Fee
$0

Card Summary

Capital One Spark Cash Select for Business is a business credit card that offers cash back and rewards. You will earn 1.5% cashback on every purchase. You will receive $200 cash bonuses if you spend $3,000 within the first three months of your account opening.

There is no annual fee for the card. The APR for purchases is 0% during the initial nine months.

Based on creditworthiness, thereafter, there is a standard APR of 13.99%, 19.99% and 23.99%.

Benefits for cardholders include auto rental collision damage waiver, purchase insurance, extended warranty coverage and travel and assistance services.

Card Summary - Cons

Rates and fees

Issuer Name
Capital One
Penalty APR
29.40%
Credit Needed
Excellent, Good
Balance Transfer Fee
Transfer APR is free of transfer fees.
Annual Fee
$0
Cash Advance Fee
You can choose to pay $10 or 3% on each cash advance amount, depending on which is higher.
APR
13.99% to 19.99%
Foreign Transaction Fee
N/A
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Here’s a smart way to pay off

Capital One

The Best Features

Reward:

Get 1.5% Cash Back on All Capital One Spark Cash Select Business Card Purchases.
You will receive a $200 bonus if you spend $3,000 within the first three months of your account opening.
Purchases at 0% APR for nine months based on creditworthiness, thereafter, standard APRs are 13.99%, 19.99% and 23.99%.
There is no annual fee for the Capital One Spark Cash Select Business Card. It has a $0.

Rewards

Sign up bonus

APR Requirements

Drawbacks

Balance transfer transactions do not qualify for an introductory rate: The Capital One Spark Cash Select Business card has a 0% interest for purchases within the first nine month. However, balance transfer transfers are excluded from this offer.

Based on creditworthiness, the standard APR for balance transfers is either 13.99%, 19.99%, or 23.99%.

There are no bonus categories for spending: Capital One Spark Cash Select for Business earns 1.5% cashback on all purchases. However, other cash back reward cards might offer higher rates of earnings on bonuses spending categories.

Highlights

Receive 1.5% Cash Back on Every Purchase once you have spent $3,000 within 3 months of account opening, receive a $200 cash bonus.

There is no annual charge. Fraud Alerts. Employer cards are free. Cash back rewards for any amount at all. No expiration Date. Flexible Payments.

Capital One Spark Cash Choose for Business Benefits: Capital One Spark Cash Select for Business Card offers the following benefits:

Waiver of collisions for auto rental vehicles
Secure your assets
Protection under an extended warranty
Services for emergency and travel assistance.

Benefits

Comparative Analysis with Other Cards

The benefits of both cards include an auto rental collision waiver, purchase security and extended warranty coverage, as well as travel and emergency assistance.

Capital One Spark Classic For Business or Capital One Spark Cash Select Business

Annual Fee: Capital One Spark Cash Select for Business cards have a $0 annual cost, while the Capital One Spark Classic for Business card comes with an annual charge of $0.

Reward: All purchases of the Capital One Spark Cash Select for Business Card earn 1.5% cashback You'll get 1% cashback on every purchase when you use the Capital One Spark Classic Business card.

Sign up bonus: The Capital One Spark Cash Select Business card offers a $200 cash bonus if you spend $3,000 within the first three months of account opening. Capital One Spark Classic for Business cards do not provide a sign up bonus.

Benefits: Both cards offer benefits such as an auto rental collision waiver, purchase security and extended warranty coverage. You also get travel and assistance services.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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No late fees. Reduced interest charges. Pay off

Capital One