Reviews

Capital One Spark Cash Select Review: Simplified Earnings for Business

Spark Cash Select: 1.5% back on all purchases, no annual fee, and a generous welcome bonus.

Rickie C. Keys, Ph.D., MPH

Mar 27, 2024 — 1 min read

Capital One Spark Cash Select for Excellent Credit is a pragmatic choice for business owners seeking straightforward cash-back rewards without the hassle of annual fees. This card simplifies expense management by offering a consistent 1.5% cash back on all purchases and a notable welcome bonus, making it a versatile tool for a wide array of business spending.

Features

Annual Fee: $0, making it accessible for businesses of all sizes.
APR: Variable 18.49%-24.49%, providing flexibility for unplanned balances.
Cash Back: Earn an unlimited 1.5% back on every purchase, with no categories to track.
Welcome Bonus: A substantial offer of $750 cash back after spending $6,000 in the first 3 months.

Benefits

Simplicity: The card eliminates the complexity of tracking spending categories.
Global Use: No foreign transaction fees, ideal for businesses making international purchases.
Rewards Program: Offers an uncomplicated, unlimited cash back on purchases, ensuring businesses earn on every dollar spent.

Drawbacks

Credit Requirements: Geared towards those with excellent credit, potentially limiting accessibility.
Comparative Options: Other cards may offer higher reward rates or larger bonuses for businesses with specific spending patterns.

Product Summary

Capital One Spark Cash Select for Excellent Credit delivers solid value to businesses seeking an easy-to-use credit card without annual fees. Its 1.5% cash back on all purchases combined with the absence of foreign transaction fees makes it a cost-effective choice for businesses with diverse spending needs. The card's welcome bonus further enhances its appeal and boosts initial earnings. However, businesses with specialized spending or those seeking higher rewards in specific categories might find better-suited options elsewhere. This card is a reliable workhorse for everyday business expenses, offering consistent rewards and financial flexibility.

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