Spark 1.5% Cash Select

Credit Level: Excellent
Earn unlimited 1.5% cash back on every purchase. Plus, earn a $750 cash bonus when you spend $6,000 in the first 3 months.
  • 1.5%
    Unlimited Rewards

    Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

  • $750
    Cash Bonus

    Earn a one-time $750 cash bonus once you spend $6,000 on purchases within the first 3 months from account opening. 1

  • $0
    Annual Fee

    Enjoy a $0 annual fee in addition to the big rewards and cash bonus you can earn.


  • Rewards Your Way

    Get cash back rewards for any amount at any time with no expiration date for the life of the account.
  • Purchase Rate

    18.49% - 24.49% variable APR based on your creditworthiness.

Rewards Calculator

Slide to your monthly spend to see how much you could earn 2
See how much your business can earn 2
See how much you could earn based on your monthly spending 2
$0
$0$500,000
Monthly Spending
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Your business could earn:
cash back annually

BENEFITS OF SPARK 1.5% CASH SELECT 3

Application Requirements

What you should know before you apply

10 MINUTE APPLICATION

It takes about 10 minutes to apply and you'll get a decision in seconds.

BUSINESS OWNER INFORMATION

You'll need to know legal names, addresses and SSNs for all business owners.

BUSINESS INFORMATION

Gather your legal business name, address and business tax ID number (TIN). 

More Cash Back Cards

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Spark 2% Cash Plus

Unlimited 2% cash back with spend capacity that adapts to your business.
Spark 1.5% Cash Select product image

Spark 1.5% Cash Select

Unlimited 1.5% cash back with intro APR for good credit.
Customer Reviews
  • 5 Star
    69%
  • 4 Star
    15%
  • 3 Star
    7%
  • 2 Star
    3%
  • 1 Star
    6%
4.4
based on 995 reviews
85 %
of reviewers recommend Spark Cash Select
4.4
based on 995 reviews
85 %
of reviewers recommend Spark Cash Select
  • 5 Star
    69%
  • 4 Star
    15%
  • 3 Star
    7%
  • 2 Star
    3%
  • 1 Star
    6%
Yes, I recommend this product

Customer service

Wildcard - 7 days ago

It works each and every time I use it regardless of where I am

Online Experience: 5.0
Customer Service: 5.0
Yes, I recommend this product
Yes, I recommend this product

Great card to use

Co pilot - March 8, 2024

Very cool feature that you can use like get pre approved for amount you want to use more than normal

Online Experience: 5.0
Customer Service: 5.0
Yes, I recommend this product

Sucks

Capitol One Sucks - March 8, 2024

If you love paying the highest interest rate ever then this card is for you.

Online Experience: 1.0
Customer Service: 1.0
Yes, I recommend this product

Easy to use with convenient features

Suburban Insurance - February 1, 2024

Convenient and easy to use. Bill payments are done well

Online Experience: 5.0
Customer Service: 5.0
Yes, I recommend this product

Never able to get a credit limit.

Fminc - February 1, 2024

Unwilling to help me increase credit limit, even though I have been with capital one for eight years. They are even not allowing me to relocate credit, and this is having a very negative effect on my ability to make full...

Online Experience: 5.0
Customer Service: 5.0

credit limit reduced

bob 1950 - February 1, 2024

I did not appreciate having my credit line reduced. I can not use my card to its potential for my business,

Online Experience: 3.0
Customer Service: 1.0

Great for emergencies

Lolli10 - February 1, 2024

Honestly, credit cards are great for emergency situations. Ideal for making that unexpected payment or needed purchase for business. Sure the cash back is a nice gimmick. And if you typically use the vendors that offer c...

Online Experience: 4.0
Customer Service: 3.0

Limit is restrictive

CB Contruction - February 1, 2024

We use this card for our construction company. Our projects rotate on an annual basis. The limit on this card “resets” too fast, and we aren’t able to use it for the large purchases we initially got it for. Very disap...

Online Experience: 2.0
Customer Service: 2.0
Yes, I recommend this product

Great app, great rewards options

Lmd2 - February 1, 2024

I use it for business and it has great rewards. The app is easy to read. Updated always in real time.

Online Experience: 5.0
Customer Service: 5.0
Yes, I recommend this product

FIrst business card

not worth it - January 5, 2024

The fact that they pull from your Personal SS is the biggest pitfall. If i would've known that i would've never got this card. I got great credit but thats not the point of getting business credit. I stopped using it imm...

Online Experience: 2.0
Customer Service: 5.0