Spark 1.5% Cash Select
1.5% unlimited cash back
$750 cash bonus
$0 annual fee
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.
$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.
Business-Grade Capabilities
Empower your team to make purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, pay your vendors with ease.
Purchase rate
0% intro APR for 9 months; 16.99% - 26.99% variable APR after that based on your creditworthiness.
Automatic payments
Set up AutoPay so you don’t have to worry about signing into your account every month.
Year-end summaries
Get an itemized report of your spending to simplify budgeting and tax time.
Purchase records
Quickly and securely download your purchase records into multiple formats including Quicken®, QuickBooks® and Excel®.
$0 fraud liability
If your credit card is lost or stolen, you can get an emergency replacement card and a cash advance.
Account managers
Assign an account manager to make purchases and payments, review transactions and resolve any problems.
Virtual card numbers
Make safer payments online without exposing your actual card number with merchants.
Choose your due date
Pick your own monthly due date. Your business has the control to pay when you want.
Recurring transactions
View a list of merchants that charge your business card monthly like subscriptions and bills.
Transaction details
Stay on top of your purchases. You can find merchant information like an address, logo, phone number and map, when available.
Free employee cards
Track employee spending while earning all the rewards from their purchases.
Spend limits
Set customized spending limits for employee cards and see transactions as soon as they post.
No foreign transaction fees
Pay zero foreign transaction fees on purchases made outside of the United States.
Capital One Business Travel
Save time and money with complimentary access to an all-in-one business travel management solution. Explore Capital One Business Travel.
Roadside assistance
Our business cards offer services to help you during auto-related emergencies, such as jump-starting, tire changing and towing.
Account access
Manage your account online or use the mobile app to get account activity alerts, see payment options, download past account statements and more.
Fraud & security alerts
Receive an email or text message alert if we detect a potential mistake or suspicious charge on your account.
Extended warranty
Get free additional warranty and protection on eligible items that you purchase with your card.
Security alerts
Get notified via text, email and phone if Capital One notices potential suspicious transactions on your account.
Card lock
Lock your card or an employee’s if it has been misplaced, lost or stolen.
Customer support
Our Capital One Business representatives are specially trained to work with business owners and are available to answer any questions you may have.
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
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
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
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.
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.
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.
- 1The 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 one-time $1,000 cash bonus once you spend $10,000 on purchases within the first 3 months from account opening.
Spark Cash Select Welcome Bonus: Earn a one-time $750 cash bonus once you spend $6,000 on purchases within the first 3 months from account opening. - 2The actual amount of cash back you earn will depend on your purchase activity.
- 3Certain 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.