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- Capital One Spark Cash Select for Excellent Credit
Solid business credit card with unlimited cash back card and no annual fee
- 1.5% Cash BackRewards Rate
- $0Annual Fee
- 17.99% – 23.99% VariableAPR
- ExcellentRecommended Credit
The Capital One Spark Cash Select for Excellent Credit is, as the name suggests, for people with excellent credit scores. It's a good choice if you're in that credit score range and are looking to earn uncapped flat-rate cash back on every purchase without any annual fees or foreign transaction fees. While there are no bonus categories with higher rewards rates, that also means there are no categories or activations to remember or spending limits to keep an eye out for, making this a great choice for those looking for a simple approach.
Also, if you spend $4,500 in your first three months as a cardholder, you will earn an impressive $500 bonus. Here's what else you need to know about the card's features, advantages, drawbacks and other characteristics to help you determine if it's right for you.
Capital One Spark Cash Select for Excellent Credit Overview
The Capital One Spark Cash Select for Excellent Credit’s offers a range of benefits for small business owners. Here's a quick overview, followed by a deep dive into some notable features.
- Rewards rate: 1.5% cash back on every purchase; 5% cash back on hotels and rental cars booked through Capital One Travel
- Welcome offer: Earn $500 after spending $4,500 in the first three months
- Regular APR: 17.99% to 23.99% (variable)
- Annual fee: $0
- Intro APR offer: None
Important Card Details
It's important to understand the benefits, fees and interest rates of a new card in order to decide if it's right for you.
Decent Flat Rewards Rate
You'll earn 1.5% cash back on every purchase with this card. Plus, there's no spending cap, meaning there's no limit on your rewards potential.
Generous Sign Up Bonus
This card comes with a generous welcome offer of $500 cash after spending $4,500 in the first three months. If you know you're going to be doing that spending on your new card anyway, it's a nice perk to get rewarded for it, too.
No Annual Fee
This card comes with no annual fee.
Fairly Typical APR
The regular APR is 17.99%– 23.99% (variable), which is a little higher than the typical APR for a business credit card of 17% or 18%.
No Foreign Transaction Fee
With no surcharge on transactions made in a foreign currency or outside the United States, you can still earn cash back rewards with no penalties while shopping around the world.
Easy Account Management
You can assign an authorized user to your account and have them manage your account on your behalf.
Streamlined Mobile App
Using the mobile app accessible for both iOS and Android users, you can receive transaction alerts, make payments, manage your rewards, set spend limits for employee cards, lock your card or an employee's card if it has been lost or stolen, and view statements, purchase records and more.
How the Capital One Spark Cash Select for Excellent Credit Compares To Other Cards
The Capital One Spark Cash Select for Excellent Credit is a solid option for many small business owners. Shoppers who don't want to be a part of complex rewards programs may love this simple cash back card with no annual fees or spending caps.
How This Card Compares
Capital One Spark Cash Select for Excellent Credit
- Annual Fee: None
- Regular APR: 17.99%– 23.99% variable
- Rewards Rate: 1.5%
- Foreign Transaction Fee: None
- Best for: Simple cash back with unlimited rewards
American Express Blue Business Cash™ Card
- Annual Fee: None
- Regular APR: 18.24% – 26.24% variable
- Rewards Rate: 1%–2%
- Foreign Transaction Fee: 2.7%
- Best for: Flat-rate cash back with a high spending cap
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