Editorial and Partnership Disclosure
The Capital One Spark Cash Select is a straightforward, low-cost cash-back card for business owners, offering unlimited 1.5% cash back on all purchases with $0 annual and foreign transaction fees. Designed for easy recordkeeping, it allows you to download purchase records compatible with popular accounting software.
| Intro APR | N/A |
|---|---|
| Regular APR | 16.74% - 22.74% (Variable) |
| Annual Fee | $0 |
| Credit Needed | Excellent |
- 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
- Automatic payments: Set up AutoPay to not worry about signing into your account every month to set your payments
- Downloadable 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
- Exclusive deals at 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
- Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time
How We Evaluate Cash Back Rewards Business Credit Cards
When grading fixed-rate cash back business credit cards like the Capital One Spark Cash Select card, 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 Capital One Spark Cash Select Is Best For
- Those who buy inventory from international vendors and prioritize low costs: It has $0 foreign transaction fees, making international purchases more affordable. Plus, it has $0 annual and balance transfer fees, keeping overall costs low.
- Those who prefer simplicity in managing expenses: You can download purchase records into multiple formats including Quicken®, QuickBooks®, and Excel®. This streamlines expense tracking and management, making it easier to oversee your business finances.
- Those who want to maximize business expenses: Earn 1.5% cash back on all purchases regardless of categories and 5% cash back on hotels and rental cars booked through Capital One Travel. Cash back can be a valuable way to offset business expenses, helping reduce overall costs.
- Those who have excellent credit scores: Its instant approval process ensures favorable terms for applicants with strong credit histories.
Capital One Spark Cash Select Rewards
- Earn $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening
- Enjoy unlimited 1.5% fixed-rate cash back on all other purchases
- Get unlimited 5% cash back on hotels and car rentals booked through Capital One Travel
Here’s an example of the potential rewards value if spending requirements are met:
| Category | Reward Rate | Estimated Annual Spend | Reward Annual Value |
|---|---|---|---|
| All Spending | 1.5% | $25,000 | $ 375 |
| Hotel Spending | 5% | $25,000 | $ 1,250 |
| Car Rental Spending | 5% | $25,000 | $ 1,250 |
| Welcome Bonus | $ 500 | ||
| Total Annual Reward Value: | $ 3,375 | ||
Capital One Spark Cash Select Calculator
You can use our calculator to compute the potential rewards you might earn from using the Capital One Spark Cash Select. Input your projected monthly spending and let our calculator do the rest.
Capital One Spark Cash Select Calculator
Your potential annual reward earnings are:
How To Redeem Capital One Spark Cash Select Rewards
Your points are unlimited and never expire as long as your account remains active. Redeeming them is easy. Just follow these steps:
- Log in: Go to capitalone.com or open the Capital One Mobile app.
- Access your card: Select your Capital One Spark Cash Select card.
- View rewards: Click “View Rewards” to see your points balance and options.
- Redeem your way: You can redeem your cash back as a statement credit or a check—simply choose what works best for you. Plus, view past rewards activity and discover flexible options.
For hands-off rewards, set up automatic redemption:
- By date: Pick a time each year.
- By amount: Redeem once you reach a chosen rewards threshold.
Capital One Spark Cash Select Features
Employee Access
- Free employee cards: Issue at no cost, track spending, and earn rewards on employee purchases.
- Custom spending limits: Set spending caps for each card with real-time updates.
Travel Perks
- Capital One Travel: Access competitive travel prices, paying with rewards, your card, or both.
- Roadside assistance: Offer services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing.
- $0 foreign transaction fees: Travel without extra fees on international purchases.
Manage Your Spending
- AutoPay & flexible dates: Set AutoPay and choose a due date that fits your cash flow.
- Budgeting & tax reporting: Year-end summaries simplify budget planning and tax prep.
- Recurring expenses: Manage subscriptions and bills in one place.
- Downloadable purchase records: Easily track finances with downloadable records for Quicken, QuickBooks, or Excel.
- Vendor payments: Pay vendors via card or ACH from your Capital One Business account.
Security
- Extended warranty: Free added warranty on eligible purchases made with this card.
- Virtual cards: Create virtual cards for secure online purchases.
- $0 fraud liability: Get an emergency replacement and a cash advance if your card is lost or stolen.
- Fraud alerts: Receive alerts if unusual or potentially fraudulent activity is detected.
- Card lock: Instantly lock your card or an employee’s card if lost or stolen to prevent misuse.
Capital One Spark Cash Select Fees
APRs
- Introductory: None
- Ongoing: 16.74% - 22.74% (Variable)
- Cash advance: 30.49% (Variable)
- Penalty: 34.14% (Variable)
Fees
- Annual: $0
- Balance transfer: Balance transfers are not available on Spark Cash Select
- Foreign transaction: None
- Cash advance: 5% of the amount of the cash advance, but not less than $5
- Late payment: Up to $39
Your due date is at least 25 days after the close of each billing cycle.
How To Make Payments
- 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: When sending overnight, use this address:
Capital One
Attn: Payment Processing
6125 Lakeview Rd., Ste. 800
Charlotte, NC 28269
Capital One Spark Cash Select Alternatives
American Express Business Platinum Card®
This card is optimal for business owners who travel frequently and enjoy premium travel rewards and perks. These perks justify the high annual fee of $895. What’s more, you can earn premium rewards and a generous welcome offer when you meet the spending requirements.
| Intro APR | N/A |
|---|---|
| Regular APR | 17.74% - 28.49% Variable |
| Annual Fee | $895 |
| Credit Needed | Excellent, Good |
- As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Terms Apply.
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests. Enrollment required.
- Airport screening: Either a $120 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $150 in statement credits annually for Dell purchases.
(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.)
Capital One Venture Business
For a straightforward rewards option with a lower annual fee, consider this card. It offers unlimited 2X miles on every purchase and 5X miles on hotels and rental cars booked through Capital One Travel. Miles are transferable to more than 15 airline and hotel partners. Plus, it offers a $95, making it a great option for those seeking upfront savings. New cardholders can also earn a bonus after meeting the spending requirements.
| Intro APR | N/A |
|---|---|
| Regular APR | 24.49% (Variable) |
| Annual Fee | $95 |
| Credit Needed | Excellent |
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
- Fraud Coverage: $0 Fraud Liability for unauthorized charges
- Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time
U.S. Bank Triple Cash Rewards Visa® Business Card
U.S. Bank Triple Cash Rewards Visa® Business Card is one of the best business credit cards if you want to save on overall credit costs. It comes with a $0 annual fee, 0% APR on purchases, lucrative rewards and bonuses, and a pay over time feature without interest. It leads our list of the top business cards with no annual fee.
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 17.24% - 26.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas 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 purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- 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.
- 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)
What requirements do I need to apply?
Applying takes around 10 minutes, with an instant decision. Here’s what you’ll need to provide:
- Legal names, addresses, and SSNs for all business owners
- Your legal business name, address, and tax ID number (TIN)
Who can use Capital One Travel?
Capital One Travel is available to customers with a US-issued, eligible Capital One credit card. Book flights, hotels, and car rentals through Capital One Travel and pay with rewards, travel credits, or your Capital One card. Eligible cards include:
- Venture Series: Venture X, Venture, VentureOne
- Quicksilver Series: Quicksilver, QuicksilverOne, Quicksilver for Good Credit, Quicksilver Student, Quicksilver Secured
- Savor Series: Savor, SavorOne, SavorOne Student, SavorOne for Good Credit
- Business Series: Venture X Business, Spark Miles, Spark Miles Select, Spark Cash Select, Spark Classic, Spark Cash Plus
- Journey, and Capital One Walmart Rewards
Which state/s is Capital One located in?
Capital One can be found in Washington, D.C., and the following states: Virginia, Texas, New York, New Jersey, Maryland, and Louisiana.
Bottom Line
The Capital One Spark Cash Select is a simple, low-cost card ideal for business owners who value ease and unlimited cash back. With a $0 annual fee, $0 foreign transaction fees, and tools to streamline expense management, it’s a practical choice for everyday business spending. However, its lack of premium perks, like travel protections or higher rewards rates, may not appeal to those seeking more robust benefits.
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.
To see rates & fees for the American Express cards
American Express Business Platinum Card®
