Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Brett Holzhauer, MoneyGeekThe Spark 1.5% Cash Select is appealing for its flat-rate 1.5% cash back on all purchases and 0% intro APR offer. These features make it ideal for small business owners who don’t like to memorize reward categories or aren’t concerned about earning a welcome bonus.
- Jennifer Doss, CardRatings.comIf you want a card that will bring in some rewards as you save on many of the fees other cards have, the Capital One Spark Cash Select - $500 Cash Bonus is a good choice. If you are the owner of a growing business that doesn't do much traveling, this card can provide multiple opportunities to save m...
- Christy Rakoczy, FinanceBuzzIf you don’t want to worry about rotating rewards or bonus categories, the Capital One Spark Cash Select for Business could be the card for you. Many business credit cards offer generous rewards programs, but they charge high annual fees or make their programs complicated to navigate. If you don't w...
- Claire Tsosie, Paul Soucy, NerdWalletA fine choice for entrepreneurs who want a no-annual-fee cash-back card that doesn't charge foreign transaction fees. If you don't plan to use the card for international purchases, though, go with a more rewarding option.
- Rebecca Lake, MyBankTrackerThis card is good if you want to keep earning and redeeming rewards as simple as possible for your business. Just remember to keep the ongoing APR in mind if you plan to carry a balance, since interest charges can cancel out rewards earnings.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
17.49% ‐ 23.49% (Variable) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
17.49% ‐ 23.49% (Variable) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
31.24% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee | $0.00 |
| Cash Advance Fee |
3% Minimum of $10 |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$39.00 Maximum |
| Promotions | |
| Sign up bonus |
$500 after spending $4,500 On purchases within the first 3 months. |
| Rewards | |
| All Purchases | 1.5% cash back |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | Yes |
| Car Rental Insurance | Yes |
| Car Rental Discount | No |
| Extended Warranty | Yes |
| Purchase Protection | Yes |
| Zero Liability | Yes |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | Yes |
| Concierge Service | Yes |
| Price Protection | Yes |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | No |
| Virtual Cards | Yes |
| Additional Benefits |
Lost Luggage Reimbursement |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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