【2025.9 Update】The sign-up bonus on this card has increased to $750. As a no-annual-fee business card, it’s still quite competitive. And since the card itself earns 1.5% cash back, you won’t lose out by putting your sign-up spending on it.

Capital One Spark Cash Select Business Credit Card

「Note」If this is your first time applying for a business credit card, please read the “Business Credit Card Introduction” first

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Full review

Capital One Spark Cash Select Business Credit Card

1.5% cash back on all purchases!

  • Welcome bonus: $750 cash back (spend $6,000 in the first three months)
  • Rewards: 1.5% cash back on all purchases
  • Redemption: Redeem for cash back; if you have a Venture card, you can transfer points
  • Annual fee: $0
  • Apply now>>

Highlights

  • Cash back can be redeemed anytime: no minimum redemption amount required
  • 0% APR for 9 months: Purchases made after opening the card can enjoy 9 months of interest-free financing, and you only need to pay the minimum payment each month. Note: be sure to pay the minimum payment every month. See: How to Pay Off 0% APR Cards and Practical Uses of 0% APR Credit Cards

Cons

  • No other bonus cash-back categories

My Take

Getting a large sign-up bonus makes this a decent card to keep long term. If you don’t have a credit card that earns more than 1% cash back, this is worth considering.

Capital One Credit Card Application Guide

  • Application status can only be checked by phone: (800) 903-9177
  • Capital One applications usually pull reports from all three credit bureaus. You may be able to avoid a hard pull by freezing some of your credit reports.
  • You can apply for only one Capital One credit card every six months, including both personal and business cards. If you force another application, it will likely be instantly denied, but it will not result in a hard pull.
  • One person can hold at most two Capital One personal credit cards at the same time, counting only Capital One-issued cards.
  • If you do not qualify for the card you applied for, you may be automatically approved for a different card instead, usually a lower-tier version. You can choose to accept or decline it, and there will be no additional hard pull.
  • New applicants may be asked to upload ID during the application process.
  • More on applying for Capital One credit cards

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