The relatively long intro APR was attractive but didn't keep up with other business cards that also offered sign-up bonuses.

Snapshot

Capital One Spark Cash Select for Good Credit

The information about the Capital One Spark Cash Select for Good Credit has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

The Capital One Spark Cash Select for Good Credit is an easy rewards card to handle since it earns an unlimited 1.5-cent flat-rate cash back on all purchases. Its simple rewards structure and automated cash back redemption make it easy to use to earn rewards on your business expenses at home and abroad. You can also earn a boosted 5 percent cash back on hotel and rental car bookings through Capital One's travel booking site. While Capital One business cards don’t offer business travel credits or benefits, the card has standard business card features.

The card differed from its excellent credit counterpoint by forgoing a welcome bonus in favor of a lengthy intro APR period on new purchases, which made it a good choice for businesses needing a year-long break from interest. However, other no-annual-fee business cards deliver better cash back rates and equivalent intro APRs while also offering a welcome bonus. Without access to the intro APR feature, this card doesn’t stand out among the competition, leaving better options for your wallet.

- Annual fee: $0
- Foreign transaction fee: None
- Ongoing APR: 21.24% - 29.24% (Variable)
- Cash advance APR: 31.24 percent
- Cash advance fee: 5 percent of each transaction (minimum $5)
- Penalty APR: 33.65 percent
- Penalty fee: up to $39
Expert Appraisal: Typical
- Free employee cards
- Zero fraud liability
- Roadside assistance (fees apply)
- Virtual cards
- Extended warranty

Though the Spark Cash Select for Good Credit used to be a solid choice for paying down a large balance, it falls short of these currently available no-annual-fee business cards that include a welcome bonus or more flexibility.

While the Capital One Spark Cash Select for Good Credit was useful if you needed extra time to finance purchases, competing no-annual-fee business cards can deliver more value since they typically offer comparable or better rewards, a decent intro purchase APR and a welcome bonus. There are plenty of alternatives that can replace what this card gave you and no real incentive to keep the card if you still have it.

*For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

*The information about the Capital One Spark Cash Select for Good Credit has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Our proprietary card rating system takes into account a mix of factors when scoring business credit cards, including each card’s rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more.

We analyzed over 50 of the most popular business credit cards and scored each based on how its key features stacked up compared to those of other cards in its category.

Here are some of the key factors that gave this card its score:

Image of Capital One Spark Cash Select for Good Credit

In May 2024 and March 2025, Bankrate collaborated with a third-party vendor to survey 8170 cardholders nationwide. Bankrate and our vendor collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are based on individual cardholder's product details, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. User ratings are unedited and have not been reviewed or approved by credit card issuers, nor do these ratings reflect Bankrate's own reviews of these cards.

Community Reviews

The Capital One Spark Cash Select's unlimited 1.5% cashback on every purchase and no annual fee were key features that influenced my decision. It’s a simple and rewarding option for businesses looking to maximize cashback without extra costs.

Only use this card for big purchases that I can finance 12 months, same as cash, and I pay it off within the grace period to ensure I don't overextend financially. I want my business to maintain good credit relationships for unknown. This helps me do that by catapulting my credit score into the 700s!

Ryan Flanigan is a Bankrate credit cards writer and Certified Credit Counselor. With his signature binder full of credit cards, he has used miles and points for years to help fulfill his travel goals.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

Ryan Flanigan

Capital One Spark Cash Select for Good Credit review: Is the extended zero-interest worth it? | Bankrate