Capital One Spark Cash Select Business Review: Earn Cash Back with No Fees

The Capital One Spark Cash Select Business card is a popular choice for business owners who want to earn cash back without paying any annual fees. This card offers 1.5% cash back on every purchase, every day.

One of the standout features of this card is its lack of annual fees, making it a great option for businesses that want to earn rewards without breaking the bank.

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The Capital One Spark Cash Select business credit card offers several benefits that make it a great option for small business owners.

The card doesn't charge foreign transaction fees, making it a good choice for businesses that frequently travel abroad.

You'll also get year-end spending summaries to make tax season easier, extended warranty on eligible items, and roadside assistance.

The card's rewards program is straightforward, offering 1.5% cash back on every purchase, everywhere, with no limits or category restrictions.

If you spend enough to justify paying an annual fee, you may want to consider the Capital One Spark Cash Plus, which earns a higher 2% back on all purchases.

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Here are some alternative cards to consider:

Ultimately, the Capital One Spark Cash Select is a great option for small business owners who want simplicity and don't want to pay an annual fee.

The Capital One Spark Cash Select business card offers a one-time $500 cash bonus after spending $4,500 within the first three months of opening an account.

This bonus is impressive, especially considering that cash-back cards generally have lower welcome offers. Since you don't have to pay an annual fee, this bonus is money that goes right back into your pocket.

The card also offers 5% back on hotels and rental cars booked through Capital One Travel and an unlimited 1.5% cash back on all other purchases. This flat earning rate is a great way to fill in the gaps in your business spending reward strategy.

You can redeem your cash back rewards for any amount, and the rewards won't expire as long as your account is open. However, you won't have the option to get a higher value from your rewards by transferring them to a valuable travel partner.

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The Capital One Spark Cash Select card offers a $500 welcome bonus for new cardholders who spend $4,500 within the first three months. This is a significant bonus, especially considering the card has no annual fee.

If you're considering applying for this card, keep in mind that you need to meet the spending requirement within the first three months to qualify for the bonus. The related article notes that this card has had impressive offer history, making it a great option for those looking for a cash-back card with a solid welcome offer.

The $500 bonus is a one-time payment that can be a great way to offset the costs of using the card. Since you don't have to pay an annual fee, this bonus is essentially free money that can be put right back into your pocket or business.

The Capital One Spark Cash Select card offers 1.5% cash back on every purchase, everywhere, with no limits or category restrictions. This makes it a great option for those who want to earn cash back without having to worry about rotating categories or spending limits.

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The Spark Cash Select offers a simple earning structure, with cardholders earning 5% back on hotels and rental cars booked through Capital One Travel and an unlimited 1.5% cash back on all other purchases.

This flat earning rate is a great way to fill in the gaps in your business spending reward strategy, especially if you spend a large portion of your budget on purchases that don't earn any bonus points with most business cards.

You can earn 1.5% cash back on every purchase, everywhere, with no limits or category restrictions.

However, it's worth noting that among cash back cards, 2% cash back is generally considered the gold standard, but the Spark Cash Select offers a solid return with no annual fee and no foreign transaction fees.

To redeem your cash back, you can credit it directly to your credit card account or have a check mailed directly to you, and there is no minimum to redeem it.

Here are your redemption options:

You can redeem your cash back at any time.

To be eligible for the welcome bonus on the Capital One Spark Cash Select, you need to have never had this specific card before. You're also eligible if you've had another Capital One Spark product in the past.

The Capital One Spark Cash Select has no annual fee, which is a great perk for business owners. You can add additional users to the card at no extra cost.

There are no foreign transaction fees on the Capital One Spark Cash Select, making it a convenient option for businesses with international transactions. If you plan on carrying a balance month to month, the card's 0% introductory APR offer may be a good choice.

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Having a $0 annual fee is a huge perk, especially if you're a business owner who wants to keep costs low. The Capital One Spark Cash Select card has no annual fee, making it a great option for those who want to earn rewards without breaking the bank.

This means you can add additional users to the card at no extra cost, which can be a huge time-saver and cost-effective.

One of the best things about this card is that it doesn't have foreign transaction fees, which can quickly eat into your rewards earnings.

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To be eligible for the welcome bonus on certain credit cards, you need to meet specific requirements. You're eligible for the welcome bonus on the Capital One Spark Cash Select if you haven't had this specific card before.

Having had another Capital One Spark product in the past is also a qualification for the card, including the bonus. This means you can still get the card and its associated benefits if you've had a different Spark product previously.

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If you're considering the Capital One Spark Cash Select business card, you may also want to look into other options that compete with its benefits. The Capital One Spark Cash Plus earns a higher 2% back on all purchases, but it comes with a $150 annual fee that's refunded after you spend $150,000 each year.

The Capital One Spark Miles Select for Business is another alternative, which earns rewards as miles that can be transferred to any of Capital One's 15-plus airline and hotel partners.

Take a look at this: Capital One Spark Miles for Business

If you're looking for more reward redemption options, the Spark Miles Select is a good choice. It's free to have, with no annual fee, and offers flexibility in how you redeem your rewards.

The Ink Business Unlimited Credit Card is also worth considering, earning an unlimited 1.5% cash back on all purchases. However, if you also have a card that allows you to transfer your rewards to travel partners, you can get even more value out of your rewards.

Here are some key features of the cards competing with the Spark Cash Select:

The Capital One Spark Cash Select is a fantastic choice for business owners who want a straightforward card with no annual fee. This means you can save money on fees and put it towards your business expenses.

With an above-average rewards rate on all purchases, you can earn more cash back on your business spending. This can add up to a significant amount over time, making it a great option for businesses with high transaction volumes.

One of the standout features of this card is its simplicity - no annual fee and a clear rewards structure make it easy to understand and use. This is a big advantage for business owners who want to focus on their core operations rather than navigating complex card terms.

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Capital One Spark Cash Select Business offers a 2% cash back reward on all purchases, with no rotating categories or spending limits.

This means that you can earn 2% cash back on every dollar you spend, without having to worry about keeping track of specific categories or trying to meet minimum spending requirements.

With no annual fee, you can enjoy this benefit without incurring any extra costs.

The card also offers a 0% intro APR for 12 months on purchases and balance transfers, which can be a huge help for businesses that need to manage cash flow.

This can give you some breathing room to pay off debts or make large purchases without incurring interest charges.

Overall, the Capital One Spark Cash Select Business card is a great choice for businesses that want a simple and straightforward cash back rewards program.

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