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Spark Select Business Credit Card

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  • Save money—pay off purchases over time with our lowest intro APR
  • Pay no annual fee—spend money on your business, not on your card
  • Earn travel rewards—earn 1 mile per dollar on all purchases
  • Fly on any airline with no blackout dates or seat restrictions
  • Enjoy no annual fee

Rates & Terms

Purchase Intro APR Regular APR Annual Fee Balance Transfer Period
0% 9.9%, 15.9% or 19.9%, based on creditworthiness $0 N/A
  • Purchase Intro Period: Through November 2013
  • Balance Transfer Intro Rate: N/A
  • Balance Transfer Rate: 9.9%, 15.9% or 19.9%, based on creditworthiness
  • Cash Advance Rate: 24.99%
  • 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: Good Credit Score

Spark Select Business Credit Card Review

The Spark Select Business credit card from Capital One offers you an easy way to keep business and personal expenses separate.  An excellent card for small businesses, the Spark Select is essentially a rewards card, users earn 1 mile per dollar spent on all purchases, with no annual fee.  However, rewards aren't limited to just travel, you'll also have the option to redeem miles for cash, gift cards to popular stores and restaurants, and brand name merchandise. 

The real attraction of the Spark Select business credit card is the low introductory APR coupled with no annual fee.  This card provides a great way to spread a large purchase over a long period of time, because cardholders won't have to pay high interest rates on the outstanding balance in the account.  Most cards that offer this kind of flexibility don't come with any sort of Rewards program at all - but this one does, and a solid one at that.

We'd recommend the Spark Select business credit card for any companies who need the credit card to subsidize a substantial purchase in their first few months of having the card.  If you have excellent credit and are looking for a rewards system, we'd recommend the Spark Miles business credit  card or the Spark Cash business credit card.