Editorial and Partnership Disclosure
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers. This is a recurring post with regularly updated card details. Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities.
Capital One Spark Cash Select offers unlimited 1.5% cash back on all purchases and no annual fee. It’s best for business owners who have excellent credit, prefer a low ongoing annual percentage rate (APR), and want to earn fixed-rate cash back rewards, regardless of spending categories.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
card_name
BEST FOR:
Businesses with excellent credit that want a lower ongoing APR
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
Pros
- Charges $0 annual and foreign transaction fees
- Welcome offer
- With protection against lost or stolen cards
Cons
- No interest-free financing option on purchases
- Requires excellent credit
- May do a hard pull of your credit at application
- Automatic payments: Set up AutoPay to not worry about signing into your account every month to set your payments
- Purchase records: Quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
- Free employee cards: Track employee spending while earning all the rewards from their purchases by issuing free employee cards.
- $0 fraud liability: Secure an emergency replacement and a cash advance if your card is lost or stolen
- Capital One Travel: Get the best prices on thousands of trip options, even after you book. In addition, pay flexibly using your earned rewards, a card, or both
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
Pros
- Charges $0 annual and foreign transaction fees
- Welcome offer
- With protection against lost or stolen cards
Cons
- No interest-free financing option on purchases
- Requires excellent credit
- May do a hard pull of your credit at application
- Automatic payments: Set up AutoPay to not worry about signing into your account every month to set your payments
- Purchase records: Quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
- Free employee cards: Track employee spending while earning all the rewards from their purchases by issuing free employee cards.
- $0 fraud liability: Secure an emergency replacement and a cash advance if your card is lost or stolen
- Capital One Travel: Get the best prices on thousands of trip options, even after you book. In addition, pay flexibly using your earned rewards, a card, or both
When grading fixed-rate cash back business credit cards like the Capital One® Spark® Cash Select Excellent Credit, we give the most weight to ongoing rewards, with introductory rewards as the second biggest factor. We also consider the annual fee, introductory and ongoing APRs, and additional features.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 20 | 30 |
Introductory Rewards | 18 | 20 |
Additional Features | 13 | 15 |
Annual Fee | 15 | 15 |
Introductory APR | 0 | 10 |
Ongoing APR | 8 | 10 |
Total Score | 74 | 100 |
Who the card_name Is Best For
- You have excellent credit: This card is best for business owners with excellent credit. It offers a low regular APR.
- You want unlimited cash back rewards: This card lets you collect rewards without limits or category restrictions.
See our recommended alternatives below if this card isn’t the best fit for your business. Alternatively, see our roundup of the best Capital One business credit cards for more options from the issuer.
card_name Rewards
- Welcome offer: $500 welcome cash bonus after spending $4,500 within the first three months after opening an account
- Unlimited 5% cash back on hotels and car rentals booked through Capital One Travel
- Unlimited 1.5% fixed-rate cash back on all purchases
card_name Calculator
You can use our calculator to compute the potential rewards you might earn from using the card_name. Input your projected monthly spending and let our calculator do the rest.
How To Redeem card_name Rewards
Points that you earned will not expire so long as your account is active. Also, there is no limit on the amount of rewards you can earn on your purchases.
You can redeem your cash back as a statement credit or a check. In addition, you can set up an automatic redemption preference, with the options including setting the time each calendar year or meeting a specific threshold.
card_name Features
Account and card management
- Automatic payments: Set up AutoPay so that you don’t need to sign in to your account each month.
- Payment flexibility: Select your preferred monthly due date.
- Year-end summaries: Receive an itemized report of your spending to simplify budgeting and tax time.
- Purchase records: Download your purchase records and categorize them through various software, such as Quicken®, QuickBooks®, and Excel®.
- Free employee cards: Set customized spending limits, monitor employee spending, earn rewards from their purchases, and see transactions from employee cards.
Service and protection
- Extended warranty: Get free additional warranty and protection on eligible items that you purchase with this card.
- $0 fraud liability: Get an emergency replacement and a cash advance if your card is lost or stolen.
- Fraud and security alerts: Receive an email or text message alert the moment Capital One detects a potential mistake or suspicious charge on your account.
- Card lock: Lock both your and your employees’ cards if they are lost, misplaced, or stolen.
Travel
- Capital One Travel: Get the best prices on thousands of trip options, even after you book, and pay flexibly using your earned rewards, a card, or both.
- Roadside assistance: Receive offers of services from Capital One to help you during auto-related emergencies, such as jump-starting, tire changing, and towing.
card_name Fees
APRs
- Introductory: None
- Ongoing: reg_apr,reg_apr_type
- Cash advance: cash_advance_apr
- Penalty: 34.15% variable, which adjusts with the prime rate and applies when you make a late payment
Fees
- Annual and foreign transaction: None
- Balance transfer: Transfers not allowed
- Cash advance: cash_advance_fee
- Late payment: late_payment_fee
Your due date is at least 25 days after the close of each billing cycle.
- Capital One Mobile: Use the app to ensure you pay your balances in full each month.
- Phone: Call (800) 227-4825 or the number on the back of your credit card.
- Online: Log in to your Capital One account and select “Make a payment.”
- In-person: Visit the nearest Capital One branch.
- Mail: Send a check by United States mail using this address:
Capital One
Attn: Payment Processing
PO Box 71083
Charlotte, NC 28772-1083
- Overnight US Postal Service (USPS) Priority Mail usually doesn’t get delivered straight to a payment processing center and may not get processed the next day. To ensure overnight delivery and processing, use an express mail service like FedEx, UPS, or DHL, among others. : When sending overnight, use this address:
Capital One
Attn: Payment Processing
6125 Lakeview Rd., Ste. 800
Charlotte, NC 28269
card_name Alternatives
American Express Blue Business Cash™
Consider the American Express Blue Business Cash™ as an alternative as it offers expanded buying power—which lets you spend beyond your credit limit after meeting certain conditions. Aside from that, it offers a 0% introductory period on purchases—both of which are not offered by the card_name.
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
17.74% - 25.74% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% – 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Intro APR
0% on purchases
Regular APR
17.74% - 25.74% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% – 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
card_name does not offer a 0% introductory period on purchases. Consider the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® as a viable option if you intend to make large purchases.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.24% - 27.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.24% - 27.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Frequently Asked Questions (FAQs)
When applying for the Capital One Spark Cash Select, you will need to have the following personal information on hand:
- Full name
- Social Security number
- Date of birth
- Physical address (no post office boxes)
- Estimated gross annual income
- Checking and/or savings account information
You can request for a credit limit increase online or by calling Capital One at (800) 867-0904.
Capital One can be found in Washington, D.C., and the following states: Virginia, Texas, New York, New Jersey, Maryland, and Louisiana.
Bottom Line
card_name is a great card for those who have excellent credit and want to maximize the rewards they earned from business purchases. While it doesn’t offer a 0% introductory period for both purchases, it has $0 annual fees. In addition, it lets you earn up to 5% cash back on selected categories.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
