Spark Cash Select: Everything you need to know

The Capital One Spark Cash Select business credit card keeps things simple for your company. You’ll earn 1.5% cash back on all purchases, with no limits and no annual fee. View important rates and disclosures. Spark Cash Select can help you manage expenses, and it offers a cost-effective way to earn cash back rewards for your business.

For business owners looking to maximize cash flow without the hassle of complex reward structures or extra fees, Spark Cash Select provides straightforward value—with additional business-friendly features that can support your company’s growth.

What you’ll learn:

• The Spark Cash Select from Capital One is a straightforward, flat-rate rewards credit card for businesses aiming to earn unlimited 1.5% cash back on their spending, without restrictions. 

• In addition to having no annual fee, Spark Cash Select offers an array of valuable rewards and benefits that can help small to midsize businesses get the most from their card. View important rates and disclosures. 

• With Spark Cash Select, business owners can access account management features that help streamline expenses and daily operations.

• Cardholders can enjoy additional benefits with Spark Cash Select—including access to Capital One Business Travel, enhanced security features and more—to support their business needs.

The Capital One Spark Cash Select credit card can be a great option for small to midsize businesses that spend moderately. It has no annual fee and lets you earn unlimited 1.5% cash back on all your business purchases, with no limits or category restrictions. View important rates and disclosures. Plus, it can provide some peace of mind by supporting daily cash flow and helping cover operating costs and any unexpected expenses that may arise.

Here’s a quick look at how Spark Cash Select compares to other Capital One business cards:

Capital One Business cardholders enjoy various benefits that can help them manage their spending and streamline expenses while earning best-in-class rewards. Here’s a look at the additional benefits Spark Cash Select offers.

Spark Cash Select cardholders earn 1.5% cash back on all purchases across every category, without restrictions. There are no special categories or tiers to keep track of, which can make it easier to use your rewards to your advantage and factor them into your budget.

With no annual fee, you can hold on to more of your earnings. View important rates and disclosures. That means every dollar of cash back you earn can go right back into your business.

Kick-start your business spending with a simple and rewarding way to earn a $750 cash bonus. By spending just $6,000 on purchases within the first three months of opening your account, you’ll unlock extra cash to help cover the inevitable expenses of running your business.

Any cash back rewards you earn with your Spark Cash Select card won’t expire for the life of your account. You’ll only lose any earned cash back rewards if you close your account.

Keep your business growing and moving forward with Spark Cash Select. With access to Accounts Payable and expense management tools, plus the ability to earn rewards on purchases your team makes with free employee cards, you can maintain better control over your operations and cash flow.

Here’s how Spark Cash Select can help simplify your daily operations.

With Accounts Payable, you can streamline vendor bills by managing everything in one place. In many cases, you can use your Spark Cash Select credit card to pay vendors—even ones that don’t typically accept credit cards—and earn rewards.

With free employee cards, you can track your team’s spending in real time and earn rewards from their purchases. You can also control employee spending by creating spending limits for each employee card.

With Spark Cash Select, business cardholders enjoy an array of valuable travel and security benefits, along with the unlimited 1.5% cash back rewards.

Spark Cash Select helps support your business’s travel needs. With access to Capital One Business Travel, you can compare and book flights, hotels and rental cars—and earn up to 5% cash back on eligible hotel and rental car bookings made through the portal.

Your Spark Cash Select card takes account security seriously, offering tools such as:

• Security alerts: If Capital One detects suspicious activity on your account, you’ll be notified via text, email or phone with just a few steps. This allows you to address potential issues as soon as they arise to help keep your account secure. 

• $0 fraud liability and card lock: If your card or an employee’s card is lost or stolen, you won’t be held responsible for unauthorized charges, thanks to $0 fraud liability. And with the card lock feature, you can quickly freeze your card and employee cards to help prevent unauthorized transactions.

• Virtual cards: Cardholders can receive free virtual card numbers for online purchases, helping keep their payment details safe and reducing the risk of fraud.

Gain extra confidence and help safeguard your business investments with extended warranty protection on eligible purchases made with your card.

The Capital One Spark Cash Select business credit card delivers steady value for small and midsize businesses that want simple, reliable rewards without additional costs. With unlimited 1.5% cash back, no annual fee and tools that can help streamline spending, it’s a practical way to support your everyday operations while earning cash back on every purchase. View important rates and disclosures. 

If you’re ready to take the next steps, learn more about the Spark Cash Select card today—you can even see whether you’re pre-approved before applying, without any harm to your credit score.