- 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.
- $500Cash Bonus
Earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months from account opening. 1
- $0Annual 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
18.49% - 24.49% variable APR based on your creditworthiness.
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.
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).
More Cash Back Cards
Spark 2% Cash
Unlimited 2% cash back with a low annual fee.
Spark 1% Classic
Unlimited 1% cash back on every purchase for building credit.
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.