Capital One Spark Cash Select for Business

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Card Details and Application Link

Capital One Spark Cash Select – $500 Cash Bonus

$500 Cash Back
Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
Click Here to Apply

No Annual Fee

Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 Rule

FM Mini Review: This is a good option for business owners looking for simple cash back rewards with no annual fee. If you spend $30,000 or more per year, though, you would be better off with the 2% Spark Cash Plus card.

Card Type: Mastercard

Base

1.5%

Travel

Earning rate: 1.5% everywhere ⚬ 5% on hotels and rental cars booked via Capital One Travel

Noteworthy perks: No foreign transaction fees

Overview

The Capital One Spark Cash Select for Business card offers 1.5% cash back for all spend.

Overall, I expect that most businesses would do better with the Capital One Spark Cash Plus for Business (2% back everywhere), the Capital One Spark Miles for Business (2X everywhere), or the Chase Ink Business Preferred Card (3X in select categories).

Overall, this is a good choice for a welcome offer, but it is a mediocre choice to use for spend.

Application Tips

Capital One Application Tips

6 month rule: Must wait 6 months after applying for a Capital One card before applying for another one.

2 card limit: Conventional wisdom and user experience has been that you can have at most 2 Capital One consumer cards, but according to application terms it may be possible to have up to 5. You may be limited to 2 of their rewards cards. Note that this limit does not apply to Capital One co-branded cards like the Kohl's charge card.

Get Same Card Again: There is no known rule against getting the same card and bonus again even if you still have the card open.

Hard inquiries usually get issued through all 3 credit bureaus

To check application status, call (800) 903-9177 or (877) 277-5901
If denied, call reconsideration here: (800) 625-7866

Related Cards (CapOne cash back cards)

Card Offer
Capital One Spark Cash Select – $500 Cash Bonus ➥More ⓘ $433 1st Yr Value Estimate $500 Cash Back Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening No Annual Fee Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 Rule
Capital One Spark Cash Plus ➥More ⓘ $350 1st Yr Value Estimate Up to $1,000 Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening $150 Annual Fee Note: This card is not expected to count against Chase's 5/24 Rule Recent better offer: Expired 3/14/22: $3K after $50K spend in 6 months
Capital One Savor ➥More ⓘ $240 1st Yr Value Estimate $300 Cash Back Earn a one time bonus: $300 after $3K spend in 3 months from account opening No Annual Fee First Year, Then $95 Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Capital One Quicksilver ➥More ⓘ $193 1st Yr Value Estimate $200 Cash Back One time bonus: $200 after $500 spend in 3 months from account opening No Annual Fee
Capital One SavorOne Cash Rewards Credit Card ➥More ⓘ $190 1st Yr Value Estimate $200 Cash Back One time bonus: $200 after $500 spend in 3 months from account opening No Annual Fee
Capital One Spark Cash Business Credit Card ➥More ⓘ $0 1st Yr Value Estimate No Longer Available This card is no longer available to new applicants No Annual Fee First Year, Then $95 You may be interested in a similar option: Spark Cash Plus Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Up to $2,000 Cash Back: Earn a one time bonus: $500 after $5K spend in 3 months from account opening and earn an additional $1,500 when you spend $50K in the first 6 months of account opening. [Last available in early 2020 and briefly in 2021]