The Capital One® Spark Cash Select for Business credit card offers small business owners a generous, user-friendly cash back rewards program. It is similar to the Capital One Spark Cash Business Credit Card in its simplicity - cardholders earn 1% cash back on all of their purchases and then an additional 50% cash back at the end of the year. For example, if you earn $240 cash back during the year, you will get a bonus of $120.
This cash back program comes with all of the other perks of being a Capital One business credit card - including an itemized year-end spending summary, the ability to add employee cards at no additional cost, and $0 fraud liability protection. Earn 1% cash back on every purchase, every day. However, you'll receive a 50% bonus on the 1% cash back you earn on purchases throughout the year. The defining factor of this credit card is the lack of an annual fee - because of this, the cash back percentage is actually lower than that of the Spark Cash Business Credit Card (2% vs 1.5%). This means the cutoff is simple - in order to get the value of the Spark Cash Business Credit Card's annual fee, you'll need to spend around $900 more on the credit card over the course of the year.