Spark Cash Select: What to know

The Capital One Spark Cash Select for business card offers 1.5% cash back on all purchases—without limits. With no annual fee and a fixed credit line, it’s a cost-effective way to earn cash back rewards for your business while managing expenses.

If you’re a business owner looking for a straightforward way to earn cash back on every purchase—along with other valuable benefits and features to support your growing business—the Spark Cash Select card could be the right choice for you. Keep reading to learn more.

What you’ll learn:

• The Spark Cash Select from Capital One is a straightforward, flat-rate rewards card for businesses looking to earn cash back on their spending, without restrictions. 

• Spark Cash Select is a fixed credit line with no annual fee, offering business owners a cost-effective way to manage business expenses.

• With Spark Cash Select, business owners can access account management and security features for peace of mind at the speed of business.

• Applying for the Spark Cash Select card can be done online in about 10 minutes, and you’ll find out whether you’re approved almost immediately.

Capital One Business cardholders already enjoy benefits that make traveling and doing business more rewarding. In addition to these best-in-class rewards, Spark Cash Select offers the following:

Spark Cash Select cardholders earn 1.5% cash back on all purchases across every category without restrictions–delivering straightforward rewards with maximum flexibility.

Kick-start your business spending with a simple and rewarding way to earn a $500 cash bonus. Spend just $4,500 on purchases within the first three months of opening your account and you’ll unlock extra cash to help cover the inevitable expenses of running your business.

Its $0 annual fee lets you hold on to more of your earnings. And with the chance to earn a cash bonus, you can keep more money in your pocket to reinvest in your business.

Spark Cash Select is built to seamlessly support your business’s travel needs. Here are some premium benefits you can expect:

• No foreign transaction fees: Spark Cash Select cardholders enjoy $0 foreign transaction fees on purchases made while traveling outside of the United States.

• Roadside assistance: Blew a tire or drained your car battery while traveling? With the Spark Cash Select card, you can access maintenance services like tire changing, jump-starting and towing.

• Capital One Travel: Cardholders also enjoy access to Capital One Travel, where you can find the best prices on thousands of trip options. Plus, you can pay with your Spark Cash Select card, your rewards or a combination of both.

Spark Cash Select is designed to help grow your business, with features that help you focus on what really matters—moving your business forward. These include:

Track your employees’ spending in real time and earn rewards from their purchases. You can also control employee spending by creating spending limits for each employee card.

At the end of the fiscal year, cardholders can access a detailed spending report, making it easier to manage budgets and prepare for tax season. Cardholders can also download purchase records in different formats like Quicken®, QuickBooks® and Excel®, ensuring everything stays organized and streamlined.

Spark Cash Select cardholders can designate an account manager to handle purchases and payments and review transactions—giving you a partner to help you address any issue that may arise.

Your Spark Cash Select card takes account security very seriously. It provides real-time account tracking and management features that are available online or through the mobile app. Dedicated Capital One Business representatives—who are specially trained to support business owners like you—are on call to help keep your account secure and your business safe. 

And Spark Cash Select users can feel secure with the following features:

As soon as Capital One detects suspicious activity on your account, it’ll notify you via text, email or phone. With immediate alerts for potential issues, you can address them as soon as they arise to keep your account secure.

The Spark Cash Select card offers additional layers of security and $0 fraud liability for unauthorized use. If your card or an employee’s card is lost or stolen, the card lock feature will immediately freeze the card and prevent unauthorized transactions.

Additionally, cardholders receive free virtual card numbers for online purchases to keep their payment details safe and reduce the risk of fraud.

For certain purchases made with your card, free extended warranty protection may be available—providing added confidenxce and safeguarding your business investments.

If you are ready to apply for the Capital One Spark Cash Select for business card, you can fill out an application online in about 10 minutes and receive a prompt decision. 

To apply, you’ll need to provide the following personal information:

• Email address

• Legal first and last name

• Date of birth

• Social Security number (SSN) or individual tax ID number (ITIN)

• Residential address and phone number

• Total annual income

• Monthly rent/mortgage

You’ll also need the following business information:

• Business legal structure

• Legal business name

• Business address and phone number

• Employer Identification Number (EIN)

• Annual business revenue

• Business spend per month

The Spark Cash Select business card from Capital One offers unlimited 1.5% cash back on every purchase, providing an easy and practical way for businesses to earn rewards on their spending. And with no annual fee, this card is great for business owners looking to earn rewards while keeping expenses low. 

If you’re ready to take the next steps, compare Capital One business cards to find the right fit for your business—you can even check whether you’re pre-approved before applying without any harm to your credit.