Capital One was rated third in J.D. Two other Spark cards also offer cash back: The Capital One Spark Cash Plusoffers 2% cash back on all purchases, but is a charge card (so you can't revolve a balance) and has an annual fee of $150. Heres how we weighted those feature sets for the overall star rating of a card: We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. OK92033): Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Capital One Spark Cash Select Review: No-Fuss Rewards, No Fee. Earn a one-time $500 cash back once you spend $4,500 on purchases within the first 3 months from account opening. . We recommend the best products through an independent review process, and advertisers do not influence our picks. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. All 3 major credit scores are a little below 700. Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% cash back earned is automatically credited to your statement. Customers are right-this is not a business credit card -its a personal card with your business name. But there's a third option that might be even better: the, This card offers 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1%, for an annual fee of, . If you travel frequently, you may find a travel credit card more rewarding. As soon as I got approved, the card immediately got added to my CapitalOne app, so I was able to use the card immediately! Zero percent APR: There is a nine-month 0% introductory APR on purchases. Our partners compensate us. These cards award miles instead of cash back, which can be redeemed for travel as statement credits or transferred to a variety of travel partners. Then there's the Chase Ink Business Unlimited, which has no annual fee and offers the same 12-month 0% APR on purchases deal as the Amex Blue Business Cash, while also offering a bonus of $750more than three times the size of the one with the Capital One Spark Cash Select Excellent Creditfor $7,500 in spending within the first three months. This can stop someone from using the card if it's lost or stolen, and can also come in handy if you want to restrict employee usage. This card is perfect for those looking to avoid paying an annual fee or foreign transaction fees, but still want to earn rewards. Pre-qualified offers are not binding. . You wont earn a sign-up bonus with this offer however, you will still get unlimited 1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel with a $0 annual fee. After that, the standard APR is 13.99%, 19.99% or 23.99%, based on your creditworthiness. The card does charge a 3% foreign transaction fee, however, so it's not a good choice for international purchases. Earn 3% cash back in a category of your choice from a list of six options; 2% cash back on dining; and 1% back on all other purchases. 0% intro APR on Purchases for 12 months, and then the ongoing APR of 14.74%-20.74% Variable APR. This is a solid fixed earning rate for companies with diverse spending patterns that wouldn't necessarily benefit from more rewards in bonus categories. Security and customer service features like lost or stolen card replacement, being able to lock ones card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area. With the Capital One Spark Cash Select for Business card, your benefits include: With the Capital One Spark Cash Select for Business card, there are no bonus spending categories, so every purchase earns 1.5% cash back. There are very few downsides to this card, but we should mention that many small business credit cards like the Ink Business Cash Credit Card, for example offer higher rewards in particular spending categories. Here is a list of our partners. The Capital One Spark Cash Select - $500 Cash Bonus, on the other hand, never charges an annual fee. However, there are business cards out there that offer more cash back, like the Capital One Spark Cash for Business. As a new cardholder, your business will earn a one-time offer of $500 after you spend $4,500 in the first three months. pays 1.5% on all purchases, even inventory orders. Two other Spark cards also offer cash back: offers 2% cash back on all purchases, but is a charge card (so you can't revolve a balance) and has an annual fee of. The content Terms apply. We are continually improving the user experience for everyone, and applying the relevant accessibility guidelines.
And while it lacks a 0% APR offer it provides higher bonuses, especially for big spenders: $500 cash if you spend $4,500 in the first three months with the card. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Earn unlimited 1.5% cash back on every purchase.
You can typically earn more rewards on your purchases when you spend on categories like office supplies, dining and travel, or whatever the card is offering. Pre-qualified offers are not binding. Well estimate your chances of approval based on your credit profile. That makes this card a good choice for a business whose spending is all over the map, or not concentrated in typical bonus categories like office supplies or travel. App Store is a service mark of Apple Inc. The card awards 2 points on travel and dining and 1 point on everything else. 1.5% cash back on all purchases; 5% cash back on hotels and rental cars booked through Capital One Travel. Only mortgage activity by Credit Karma Mortgage, Inc., dba Credit Karma is licensed by the State of New York. By clicking Accept All Cookies, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. This card is perfect for those looking to avoid paying an annual fee or foreign transaction fees, but still want to earn rewards.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}, {"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EGet a 0% intro APR for 12 months\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateBanner\" data-component-name=\"AffiliateBanner\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root AffiliateBanner--align-default AffiliateBanner--context-credit-card\"\u003E\u003Cdiv class=\"AffiliateBanner--inner\"\u003E\u003Cdiv class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/2200?url=_capital-one-spark-cash-select-credit-card\" rel=\"nofollow\" target=\"_blank\" title=\"Capital One Spark Cash Select - 0% Intro APR for 12 Months\"\u003E\u003Cimg alt=\"Capital One Spark Cash Select - 0% Intro APR for 12 Months\" class=\"Image--root lazyload\" data-src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4717.jpg\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/2200?url=_capital-one-spark-cash-select-credit-card\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateDisclaimer--root\"\u003E\u003Cspan class=\"AffiliateDisclaimer--item\"\u003EOn Capital One's Secure Website \u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateBanner\"\u003E{\"align\":\"\",\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"category\":\"creditcards\",\"className\":\"AffiliateBanner--context-credit-card\",\"context\":\" in context: Banner\",\"cssNamespace\":\"AffiliateBanner\",\"disclaimers\":[\"On Capital One's Secure Website\"],\"isButtonSquare\":false,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4717.jpg\",\"link\":\"\\\/credit-cards\\\/redirect\\\/2200?url=_capital-one-spark-cash-select-credit-card\",\"name\":\"Capital One Spark Cash Select - 0% Intro APR for 12 Months\",\"showGenericArt\":false,\"showUnavailableText\":true,\"width\":\"\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EIf you care more about saving interest on a purchase for your business than earning a sign-up bonus, you should check out the \u003Cstrong\u003ECapital One Spark Cash Select - 0% Intro APR for 12 Months\u003C\/strong\u003E.\u003C\/p\u003E\n\n\u003Cp\u003EThe card offers most of the same features, along with an APR of 0% on purchases for 12 months (followed by a 17.49% - 25.49% (Variable) APR).\u003C\/p\u003E\n\n\u003Cp\u003EYou won\u2019t earn a sign-up bonus with this offer \u2014 however, you will still get unlimited 1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel with a $0 annual fee.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}, Decent unlimited earning rate on every purchase, Get cashback rewards for any amount at any time with no expiration date for the life of the account, Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening, Earn unlimited 1.5% cash back for your business on every purchase, everywhere with no limits or category restrictions, Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, Rewards won't expire for the life of the account, Redeem your cash back rewards for any amount, Free employee cards, which also earn unlimited 1.5% cash back on all purchases, $0 fraud liability if your card is lost or stolen. Note: There are two other Spark credit cards the Capital One Spark Miles Select for Business and the Capital One Spark Miles for Business. Credit Karma Mortgage, Inc. NMLS ID# 1588622, Credit Karma Offers, Inc. NMLS ID# 1628077. Denied! Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned. The card does not have an annual fee.
The Equifax logo is a registered trademark owned by Equifax in the United States and other countries. The Capital One Spark Cash for Business card may no longer be available. So when you make large purchases (common in the line of business I do, real estate), it tanks my PERSONAL score temporarily until I pay it off. To further simplify things, you can set up automatic redemption to cash in your rewards when the balance reaches a certain amount. Bonus categories also tend to focus on operating expenses rather than inventory. The standard APR is 13.99%, 19.99% or 23.99%, based on your creditworthiness. . Earn 3 points per $1 spent when you book your travel (car, hotel, airline) through the Bank of America Travel Center. annual fee, unlimited 1.5% cash back on all purchases and a welcome offer. For example, it's less than half of what you'd get for the same spending requirement with the Chase Ink Business Unlimited, which offers a $750 bonus after you spend $7,500 in the first three months. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. Capital One gives cardholders the ability to lock their or an employee's card from the mobile app. Sign-up bonus:Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening. Capital One Spark Cash Select - $500 Cash Bonus, American Express Blue Business Cash Card, 0% intro APR on purchases for 12 months from the date of account opening. Both versions of the card offer unlimited 1.5% cash back on all purchases and, unlike most cash-back cards, don't charge foreign transaction fees. Here is a list of our partners and here's how we make money. Earn 3% cash back on eligible purchases at gas stations, office supply stores and cell phone/service providers. Your cash-back rewards will never expire, and you can redeem them for cash at any amount and at any time. That makes this card a good choice for a business whose spending is all over the map, or not concentrated in typical bonus categories like office supplies or travel. My Capital One Card has a credit limit of $10,000. Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions. Spark business credit card benefits like free employee cards, payment flexibility and a high sign-up bonus are just a few of the perks that could make this card a great choice for small business owners. Full Review of Capital One Spark Cash Select Excellent Credit, Capital One Spark Cash Select Excellent Credit Bonus, Prefers uncomplicated rewards with single rate for all spending, Resists or refuses an annual fee on principle or due to cost, Earning a primary or side income from a small business, Capital One Spark Cash Select Excellent Credit, Business Advantage Travel Rewards credit card, U.S. Bank Triple Cash Rewards Visa Business Card, Capital One Spark Cash Select Good Credit, Business Advantage Unlimited Cash Rewards Card, U.S. Bank Business Cash Rewards World Elite Mastercard, American Express Blue Business Cash Card. TheInk Business Unlimited Credit Card checks many of the same boxes as theCapital One Spark Cash Select - $500 Cash Bonus: a $0 annual fee, unlimited 1.5% cash back on all purchases and a welcome offer. The information for the Capital One Spark Cash Select for Business Credit Card has been collected independently by U.S. News and the card is not currently available on the site. However, the Capital One Spark Cash for Business also includes an introductory $0 intro for first year; $95 after that annual fee. If you'd prefer a higher earning rate and don't mind paying a moderate annual fee, you can earn 2% Cash Back for your business on every purchase, everywhere, instead of 1.5%, with the Capital One Spark Cash for Business card. Capital One Spark Cash Select - 0% Intro APR for 12 Months, annual fee of $0. . Investopedia is committed to delivering the best credit card recommendations in the industry. If you know your business tends to spend heavily in a specific category, you may be better off choosing a card that offers extra rewards for those purchases. Capital One Spark Cash Select - 0% Intro APR for 12 Months, 0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.49%-25.49% Variable APR, NerdWallet rates the cash-back offer as the better option overall, but the. Advertising considerations may impact where offers appear on the site but do not affect any editorial decisions, such as which card products we write about and how we evaluate them. The information related to The Business Platinum Card from American Express has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. When you're comparing the Capital One Spark Cash Plus and theCapital One Spark Cash Select - $500 Cash Bonus, the latter might seem like the best option if you're trying to avoid annual fees. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. Also, this account will show up on your personal credit, so there's truly not a lot of benefit besides increasing your available credit and a nice sign-up bonus. This is a great flat earning rate if you're not sure which categories your business will spend the most in, and if you'd prefer the simplicity of knowing you'll earn cash back on whatever charges you put on the card. Compare the different offers from our partners and choose the card that is right for you. The Capital One Spark Cash Select - $500 Cash Bonus card comes with a generous sign-up bonus, especially for a no-annual-fee card. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. Yes, we feel that the Capital One Spark Cash Select - $500 Cash Bonus is a good card. Our opinions are our own. Plus, you'll get a 0% intro APR period: 0% intro APR on Purchases for 12 Months, and then the ongoing APR of 14.49%-22.49% Variable APR, is an easy choice for small-business owners who want simple cash-back rewards, no foreign transaction fees and an annual fee of. You can receive cash in the form of a statement credit or paper check. I've never expereinced that before! Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. For more information please see our Advertiser Disclosure. For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. This card gives you access to services to help you during auto-related emergencies, such as jump-starting, tire changing and towing. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present. Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it. You can even set up automatic redemptions once your balance reaches a certain threshold, such as $25, $50, $100, $200, $500, or $1,500. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates. It also offers a 0% intro APR, which the, lacks. If you spend more than $19,000 per year on your card, the Capital One Spark Cash for Business will earn more rewards for you than the Capital One Spark Cash Select - $500 Cash Bonus. So how do we make money? When you spend $3,000 on purchases within three months from account opening, you will earn a $200 cash bonus.
And while it lacks a 0% APR offer it provides higher bonuses, especially for big spenders: $500 cash if you spend $4,500 in the first three months with the card. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Earn unlimited 1.5% cash back on every purchase.
You can typically earn more rewards on your purchases when you spend on categories like office supplies, dining and travel, or whatever the card is offering. Pre-qualified offers are not binding. Well estimate your chances of approval based on your credit profile. That makes this card a good choice for a business whose spending is all over the map, or not concentrated in typical bonus categories like office supplies or travel. App Store is a service mark of Apple Inc. The card awards 2 points on travel and dining and 1 point on everything else. 1.5% cash back on all purchases; 5% cash back on hotels and rental cars booked through Capital One Travel. Only mortgage activity by Credit Karma Mortgage, Inc., dba Credit Karma is licensed by the State of New York. By clicking Accept All Cookies, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. This card is perfect for those looking to avoid paying an annual fee or foreign transaction fees, but still want to earn rewards.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}, {"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EGet a 0% intro APR for 12 months\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateBanner\" data-component-name=\"AffiliateBanner\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root AffiliateBanner--align-default AffiliateBanner--context-credit-card\"\u003E\u003Cdiv class=\"AffiliateBanner--inner\"\u003E\u003Cdiv class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/2200?url=_capital-one-spark-cash-select-credit-card\" rel=\"nofollow\" target=\"_blank\" title=\"Capital One Spark Cash Select - 0% Intro APR for 12 Months\"\u003E\u003Cimg alt=\"Capital One Spark Cash Select - 0% Intro APR for 12 Months\" class=\"Image--root lazyload\" data-src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4717.jpg\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/2200?url=_capital-one-spark-cash-select-credit-card\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateDisclaimer--root\"\u003E\u003Cspan class=\"AffiliateDisclaimer--item\"\u003EOn Capital One's Secure Website \u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateBanner\"\u003E{\"align\":\"\",\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"category\":\"creditcards\",\"className\":\"AffiliateBanner--context-credit-card\",\"context\":\" in context: Banner\",\"cssNamespace\":\"AffiliateBanner\",\"disclaimers\":[\"On Capital One's Secure Website\"],\"isButtonSquare\":false,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4717.jpg\",\"link\":\"\\\/credit-cards\\\/redirect\\\/2200?url=_capital-one-spark-cash-select-credit-card\",\"name\":\"Capital One Spark Cash Select - 0% Intro APR for 12 Months\",\"showGenericArt\":false,\"showUnavailableText\":true,\"width\":\"\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EIf you care more about saving interest on a purchase for your business than earning a sign-up bonus, you should check out the \u003Cstrong\u003ECapital One Spark Cash Select - 0% Intro APR for 12 Months\u003C\/strong\u003E.\u003C\/p\u003E\n\n\u003Cp\u003EThe card offers most of the same features, along with an APR of 0% on purchases for 12 months (followed by a 17.49% - 25.49% (Variable) APR).\u003C\/p\u003E\n\n\u003Cp\u003EYou won\u2019t earn a sign-up bonus with this offer \u2014 however, you will still get unlimited 1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel with a $0 annual fee.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}, Decent unlimited earning rate on every purchase, Get cashback rewards for any amount at any time with no expiration date for the life of the account, Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening, Earn unlimited 1.5% cash back for your business on every purchase, everywhere with no limits or category restrictions, Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, Rewards won't expire for the life of the account, Redeem your cash back rewards for any amount, Free employee cards, which also earn unlimited 1.5% cash back on all purchases, $0 fraud liability if your card is lost or stolen. Note: There are two other Spark credit cards the Capital One Spark Miles Select for Business and the Capital One Spark Miles for Business. Credit Karma Mortgage, Inc. NMLS ID# 1588622, Credit Karma Offers, Inc. NMLS ID# 1628077. Denied! Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned. The card does not have an annual fee.
The Equifax logo is a registered trademark owned by Equifax in the United States and other countries. The Capital One Spark Cash for Business card may no longer be available. So when you make large purchases (common in the line of business I do, real estate), it tanks my PERSONAL score temporarily until I pay it off. To further simplify things, you can set up automatic redemption to cash in your rewards when the balance reaches a certain amount. Bonus categories also tend to focus on operating expenses rather than inventory. The standard APR is 13.99%, 19.99% or 23.99%, based on your creditworthiness. . Earn 3 points per $1 spent when you book your travel (car, hotel, airline) through the Bank of America Travel Center. annual fee, unlimited 1.5% cash back on all purchases and a welcome offer. For example, it's less than half of what you'd get for the same spending requirement with the Chase Ink Business Unlimited, which offers a $750 bonus after you spend $7,500 in the first three months. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. Capital One gives cardholders the ability to lock their or an employee's card from the mobile app. Sign-up bonus:Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening. Capital One Spark Cash Select - $500 Cash Bonus, American Express Blue Business Cash Card, 0% intro APR on purchases for 12 months from the date of account opening. Both versions of the card offer unlimited 1.5% cash back on all purchases and, unlike most cash-back cards, don't charge foreign transaction fees. Here is a list of our partners and here's how we make money. Earn 3% cash back on eligible purchases at gas stations, office supply stores and cell phone/service providers. Your cash-back rewards will never expire, and you can redeem them for cash at any amount and at any time. That makes this card a good choice for a business whose spending is all over the map, or not concentrated in typical bonus categories like office supplies or travel. My Capital One Card has a credit limit of $10,000. Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions. Spark business credit card benefits like free employee cards, payment flexibility and a high sign-up bonus are just a few of the perks that could make this card a great choice for small business owners. Full Review of Capital One Spark Cash Select Excellent Credit, Capital One Spark Cash Select Excellent Credit Bonus, Prefers uncomplicated rewards with single rate for all spending, Resists or refuses an annual fee on principle or due to cost, Earning a primary or side income from a small business, Capital One Spark Cash Select Excellent Credit, Business Advantage Travel Rewards credit card, U.S. Bank Triple Cash Rewards Visa Business Card, Capital One Spark Cash Select Good Credit, Business Advantage Unlimited Cash Rewards Card, U.S. Bank Business Cash Rewards World Elite Mastercard, American Express Blue Business Cash Card. TheInk Business Unlimited Credit Card checks many of the same boxes as theCapital One Spark Cash Select - $500 Cash Bonus: a $0 annual fee, unlimited 1.5% cash back on all purchases and a welcome offer. The information for the Capital One Spark Cash Select for Business Credit Card has been collected independently by U.S. News and the card is not currently available on the site. However, the Capital One Spark Cash for Business also includes an introductory $0 intro for first year; $95 after that annual fee. If you'd prefer a higher earning rate and don't mind paying a moderate annual fee, you can earn 2% Cash Back for your business on every purchase, everywhere, instead of 1.5%, with the Capital One Spark Cash for Business card. Capital One Spark Cash Select - 0% Intro APR for 12 Months, annual fee of $0. . Investopedia is committed to delivering the best credit card recommendations in the industry. If you know your business tends to spend heavily in a specific category, you may be better off choosing a card that offers extra rewards for those purchases. Capital One Spark Cash Select - 0% Intro APR for 12 Months, 0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.49%-25.49% Variable APR, NerdWallet rates the cash-back offer as the better option overall, but the. Advertising considerations may impact where offers appear on the site but do not affect any editorial decisions, such as which card products we write about and how we evaluate them. The information related to The Business Platinum Card from American Express has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. When you're comparing the Capital One Spark Cash Plus and theCapital One Spark Cash Select - $500 Cash Bonus, the latter might seem like the best option if you're trying to avoid annual fees. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. Also, this account will show up on your personal credit, so there's truly not a lot of benefit besides increasing your available credit and a nice sign-up bonus. This is a great flat earning rate if you're not sure which categories your business will spend the most in, and if you'd prefer the simplicity of knowing you'll earn cash back on whatever charges you put on the card. Compare the different offers from our partners and choose the card that is right for you. The Capital One Spark Cash Select - $500 Cash Bonus card comes with a generous sign-up bonus, especially for a no-annual-fee card. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. Yes, we feel that the Capital One Spark Cash Select - $500 Cash Bonus is a good card. Our opinions are our own. Plus, you'll get a 0% intro APR period: 0% intro APR on Purchases for 12 Months, and then the ongoing APR of 14.49%-22.49% Variable APR, is an easy choice for small-business owners who want simple cash-back rewards, no foreign transaction fees and an annual fee of. You can receive cash in the form of a statement credit or paper check. I've never expereinced that before! Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. For more information please see our Advertiser Disclosure. For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. This card gives you access to services to help you during auto-related emergencies, such as jump-starting, tire changing and towing. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present. Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it. You can even set up automatic redemptions once your balance reaches a certain threshold, such as $25, $50, $100, $200, $500, or $1,500. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates. It also offers a 0% intro APR, which the, lacks. If you spend more than $19,000 per year on your card, the Capital One Spark Cash for Business will earn more rewards for you than the Capital One Spark Cash Select - $500 Cash Bonus. So how do we make money? When you spend $3,000 on purchases within three months from account opening, you will earn a $200 cash bonus.