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 Business Travel. 4
$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
16.74% - 22.74% variable APR based on your creditworthiness.
BENEFITS OF SPARK 1.5% CASH SELECT 3
Automatic payments
Set up AutoPay so you don’t have to worry about signing into your account every month.
$0 fraud liability
If your card is lost or stolen, you can get an emergency replacement and a cash advance.
Year-end summaries
Get an itemized report of your spending to simplify budgeting and tax time.
Account managers
Assign an account manager to make purchases and payments, review transactions and resolve any problems.
Purchase records
Quickly and securely download your purchase records into multiple formats including Quicken®, QuickBooks® and Excel®.
Virtual card numbers
Make safer payments online without exposing your actual card number with merchants.
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).
Frequently asked questions
1. What information is required to apply for a Spark Cash Select credit card?
To apply for the Spark Cash Select credit card, you must be an authorized representative for your business. You’ll need to provide personal and business details to verify your identity and establish creditworthiness. Your application may be declined if you have a freeze with credit bureaus.
Personal information includes:
- Full legal name
- Personal contact information
- Social Security number
- Monthly rent or mortgage payment
Business information includes:
- Tax ID or Employer ID Number (EIN), or an SSN for sole proprietorships
- Annual revenue
- Monthly business spend
- Names and information of other beneficial owners or controllers
2. Is the Spark Cash Select card good for new businesses?
When used responsibly, the Spark Cash Select credit card can be a solid option for new businesses who are looking for:
- $0 annual fee
- Unlimited 1.5% cash back earned on every purchase, with no limits and no expiration dates.
- Unlimited 5% cash back when you book travel through Capital One Business Travel
- Free access to our integrated accounts payable solution
- Free access to Capital One Business Travel to manage your travel & expenses
- Employee cards with authorized user and authorized manager status
- Virtual cards to help keep your money safe
3. How do I redeem the cash back I’ve earned using my Spark Cash Select credit card?
Redeeming the cash you earn with your Spark Cash Select card is easy. Sign in to your Capital One Business account and navigate to the View rewards section. You’ll see different ways you can redeem your cash back, such as through a statement credit or check.
4. What credit score is needed to be approved for the Spark Cash Select credit card?
Spark Cash Select credit card holders typically have an excellent personal credit score, but there are multiple factors that are considered for approval. You can see if you’re pre-approved for this card and others with no impact to your personal credit score.
5. Are the cash rewards I earn with my Spark Cash Select credit card taxable?
The cash rewards you earn through spending on your Spark Cash Select card are not taxable. This includes your early spend bonus. However, we recommend you consult your tax expert if you have additional questions.
More Cash Back Cards
Spark 2% Cash
Unlimited 2% cash back with a low annual fee.
Spark 1% Classic
Unlimited 1% cash back on every purchase for building credit.
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The bonuses are available by starting the application process from this page, and may not be available if you navigate away from or close this page. The bonuses may not be available for existing or previous Capital One Business card holders.
Spark Cash Plus Welcome Bonus: Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months.
Spark Cash Plus Additional Bonuses: Earn a $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times during your first year as cardholder.
Venture X Business Welcome Bonus: Earn 150,000 miles when you spend $30,000 in the first 3 months.
Venture Business Welcome Bonus: Earn 100,000 bonus miles when you spend $10,000 in the first 3 months.
VentureOne Business Welcome Bonus: Earn 50,000 miles when you spend $4,500 in the first 3 months.
Spark Cash Welcome Bonus: Earn a $1,000 cash bonus when you spend $10,000 in the first 3 months.
Spark Cash Select Welcome Bonus: Earn a $750 cash bonus when you spend $6,000 in the first 3 months..
Spark Cash Plus Limited-Time Offer: Earn a one-time $500 Capital One Business Travel credit (“Credit”) to use toward purchases made through Capital One Business Travel when you spend $30,000 in the first 3 months of account opening. The Credit will be applied to your Capital One Business Travel balance within two billing cycles and expires 15 months after account opening. The Credit will be available within Capital One Business Travel and can be applied to purchases at checkout. The Credit may be used in whole for a single purchase or in part over multiple purchases. Rewards will not be earned on the Credit. If the purchase using the Credit is canceled, the Credit will be restored if it is not expired. An expired Credit will not be restored upon cancellation of the purchase by the customer. Your Spark Cash Plus account must be open and in good standing to receive and use the Credit.
Spark Cash Limited-Time Offer: Earn a one-time $250 Capital One Business Travel credit (“Credit”) to use toward purchases made through Capital One Business Travel when you spend $10,000 in the first 3 months of account opening. The Credit will be applied to your Capital One Business Travel balance within two billing cycles and expires 15 months after account opening. The Credit will be available within Capital One Business Travel and can be applied to purchases at checkout. The Credit may be used in whole for a single purchase or in part over multiple purchases. Rewards will not be earned on the Credit. If the purchase using the Credit is canceled, the Credit will be restored if it is not expired. An expired Credit will not be restored upon cancellation of the purchase by the customer. Your Spark Cash account must be open and in good standing to receive and use the Credit. - 2
The actual amount of cash back you earn will depend on your purchase activity.
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Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered card to secure transactions. Please refer to your Guide to Benefits for further details.
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Rewards and benefits may vary between Capital One Travel and Capital One Business Travel. See website for more details.