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Spark Cash Select Business Credit Card

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Highlights

  • Get a 50% bonus on the cash back you earn throughout the year
  • Earn 1% cash back on every purchase, every day
  • Redeem your cash rewards anytime
  • There's no limit to the amount of cash you can earn
  • Cash rewards don't expire

Rates & Terms

Purchase Intro APR Regular APR Annual Fee Balance Transfer Period
0% 14.9% - 19.9%, based on creditworthiness $0 N/A
  • Purchase Intro Period: Through August 2013
  • Balance Transfer Intro Rate: N/A
  • Balance Transfer Rate: 14.9% - 19.9%, based on creditworthiness
  • Cash Advance Rate: 24.9%
  • Late Fee: Up to $39
  • Cash advance Fee: 3%, Min: $10
  • Balance Transfer Fee: N/A
  • Cash Advance Minimum: N/A
  • Balance Transfer Minimum: N/A
  • Credit Profile: Excellent Credit Score

Spark Cash Select Business Credit Card Review

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.