Capital One® Spark® Cash Select for Business

Note: Capital One is a Frequent Miler advertiser. Please see our Advertiser Disclosure.

Capital One Spark Cash Select Business Credit Card

FM Mini Review: This is a good option for business owners looking for simple cash back rewards with no annual fee. If you spend more than $19,000 per year, though, you would be better off with the 2% Spark Cash card.

Card Type: Visa Signature


Earning rate: 1.5% everywhere

Noteworthy perks: No foreign transaction fees


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 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)

Capital One Spark Cash Business Credit Card
$500 Cash back
Earn a one-time bonus: $500 after $4.5K spend in 3 months

No Annual Fee First Year, Then $95

Note: Most Capital One Business cards count against Chase's 5/24 Rule, but this one DOES NOT

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 [Expired 1/27/20]

Capital One Quicksilver
$200 Cash Back
One time bonus: $200 after $500 spend in 3 months from account opening

No Annual Fee

Capital One Savor One
$200 Cash Back
One time bonus: $200 after $500 spend in 3 months from account opening

No Annual Fee

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