Business Card

Spark 1.5% Cash Select

Credit Level: Excellent
Earn unlimited 1.5% cash back on every purchase. Plus, earn a $500 cash bonus when you spend $4,500 in the first 3 months.
Rates & FeesRates & Fees Information
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  • 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 Travel.

  • $500
    Cash Bonus

    Earn a one-time $500 cash bonus once you spend $4,500 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.

  • Purchase Rate

    17.99% - 23.99% variable APR based on your creditworthiness.

Rewards Calculator

Slide to your monthly spend to see how much you could earn 2
See how much your business can earn 2
See how much you could earn based on your monthly spending 2
$0
$0$500,000
Monthly Spending
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Your business could earn:
cash back annually

BENEFITS OF SPARK 1.5% CASH SELECT 3

Automatic payments

Set up AutoPay so you don’t have to worry about signing into your account every month. 

$0 fraud liability

If your card is lost or stolen, you can get an emergency replacement and a cash advance.

Year-end summaries

Get an itemized report of your spending to simplify budgeting and tax time.

Account managers

Assign an account manager to make purchases and payments, review transactions and resolve any problems.

Purchase records

Quickly and securely download your purchase records into multiple formats including Quicken®, QuickBooks® and Excel®.

Virtual card numbers

Make safer payments online without exposing your actual card number with merchants.

View all business benefits

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). 
Apply for Spark 1.5% Cash Select
Rates and fees information Rewards terms

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Customer Reviews
  • 5 Star
    68%
  • 4 Star
    15%
  • 3 Star
    7%
  • 2 Star
    4%
  • 1 Star
    7%
4.3
based on 1039 reviews
84 %
of reviewers recommend Spark Cash Select
4.3
based on 1039 reviews
84 %
of reviewers recommend Spark Cash Select
  • 5 Star
    68%
  • 4 Star
    15%
  • 3 Star
    7%
  • 2 Star
    4%
  • 1 Star
    7%
1

The cash 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.

2

The actual amount of cash back you earn will depend on your purchase activity.

3

Certain 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.