A cash back business card with simple rewards

If you're looking for a direct cash back business credit card with a $0 annual fee, the Capital One Spark Cash Select is worth considering. There are two types of this business card: a good credit version and a good credit version, each with its own unique advantages. For the purposes of our review, we focused on the versions with good credit.

Here's what you need to know about Capital One's Spark Cash Select for Excellent Credit, its features, pros, cons and who it's best for.

  • annual fee: $0

  • Welcome offer: Earn $750 cash back after spending $6,000 in the first three months

  • award: Earn unlimited 1.5% cash back on all purchases, plus 5% cash back on car rentals and hotel bookings through Capital One Travel

  • Recommended credit score: Excellent (740-850)

This business credit card has a variable APR of 18.49% to 24.49%. Your creditworthiness and other factors will determine the annual interest rate you receive.

The card has a $0 annual fee, so you don't need to develop a rewards strategy to offset the extra cost.

Spark Cash Select for Excellent Credit offers generous early spending bonuses. New cardholders can receive $750 cash back when they spend $6,000 in the first three months of account opening. This bonus is reserved for the excellent credit version of the card and is not available on the good credit version.

While the good credit version of the card has an introductory APR of 0% for 12 months, the same cannot be said for the Spark Cash Select for Excellent Credit. If you are approved for the excellent credit version, the standard APR will apply immediately.

This business credit card offers a fairly simple rewards structure, which is valuable if you want to avoid tracking rewards categories. As a cardholder, you can earn 5% cash back on rental car and hotel reservations with Capital One Travel, and 1.5% cash back on all other purchases.

There are no spending caps on either category, meaning you can earn unlimited rewards that never expire.

You can request cash back in any amount via bill credit or check. You can also set up automatic redemption so that cash back is paid out when your rewards reach a certain amount or at specific times of the year.

Or, you can use your cash back rewards to book a trip through Capital One Travel. This flexibility is useful if you occasionally travel for work. Please note that if your account is not in good standing, your redemption options may be more limited.

As a Capital One Spark Cash Select premium credit card holder, you'll receive a free employee card. You can easily track employee spending and set limits for each card, plus you'll earn rewards when your employees use their cards to make business-related purchases.

You don't need to worry about expensive transaction fees when you use this car abroad. This card has no foreign transaction fees.

You also get special roadside assistance, including tire changes, jump starts and towing. This emergency assistance can give you added peace of mind when you're on the road.

Qualifying purchases made with your card receive an additional year of warranty protection.

With its simple rewards structure, the Capital One Spark Excellent Credit Cash option is ideal for those looking to earn cash back directly on business purchases. This is also a good option if you're looking for a card with no annual fee. But be aware that some rival cards offer higher reward rates and more flexible redemptions in certain categories.

As the name suggests, you'll need good credit to qualify for this card, although Capital One will also consider other factors when deciding whether you're approved.

Spark Cash for Excellent Credit is part of the Mastercard Network. Mastercard says its cards are accepted in more than 210 countries and territories around the world, so your card will work no matter where you go.

  • Visit CaptialOne.com online

  • By email:
    capital one
    Recipient: Payment Processing
    PO Box 71087
    Charlotte, NC 28272-1087

  • By phone: You can pay your balance over the phone by calling the number on the back of your card

  • Visit your local Capital One branch in person

If you need to contact the Capital One customer service team, you can contact them through the following channels. Note that Capital One does not list its hours of operation.

The Capital One Spark Cash Select for Excellent Credit is a card that rewards simply. While this is true for some, others may get more use from a more targeted card. Here are some alternative business cards to consider.

Recommended credit score: Excellent (740–850)

why we like it: If you spend a lot of money on business purchases, Capital One Spark Cash Plus might be a good option. The card offers 2% cash back on every purchase and 5% cash back on hotel and car rentals through Capital One Travel.

As a new cardholder, you'll also receive a generous early spending bonus: you'll receive $1,200 in rewards after you spend $30,000 in qualifying purchases within the first three months. The card has a $150 annual fee, but you can get a refund if you spend $150,000 in a given year.

why we like it: The Chase Ink Business Cash Card offers a higher rewards rate than the Spark Cash Select for Excellent Credit. You can earn 5% back on combined purchases of up to $25,000 at office supply stores and Internet, phone and cable TV services; 2% back on combined purchases of up to $25,000 at gas stations and restaurants; and all other purchases 1% rebate.

This card also offers a two-part welcome bonus. New cardholders can earn $350 when they spend $3,000 on purchases in the first three months, and an additional $400 on purchases of $6,000 or more in the first six months. You also get 0% introductory APR on new purchases for 12 months with this no-annual-fee card.

why we like it: Chase Ink Business Unlimited has a simpler reward structure and welcome offer than Ink Business Cash. Earn 1.5% cash back on every qualifying purchase, and 5% back on net Lyft purchases through March 2025. .

The card has a $0 annual fee and offers a 0% introductory APR on new purchases for 12 months.

The editor of this article is Alicia Hahn

Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. Financial product details, including card rates and fees, are accurate as of the date of publication. All products or services are provided without warranty. Check your bank's website for the latest information. This website does not include all offers currently available. A credit score by itself does not guarantee or imply approval of any financial product.

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