Earning Rates

The Spark Cash Select Business Card earns cash back at the following rates:

  • 5% cash back on hotels and rental cars booked through Capital One's travel booking site.
  • 1.5% cash back on all other purchases for your business, everywhere, no limits or category restrictions.

Key Benefits

Here are the main benefits of the Spark Cash Select Business Card:

  • Travel & Purchase Coverage: Roadside Assistance and Extended Warranty.

Fees

Annual Fee

The Spark Cash Select Business Card does not have an annual fee.

If your business spends more than $19,200 per year ($1,600 per month), you'll want to consider the Capital One Spark Cash as you'll come out ahead, even with the annual fee.

If your business has a heavy spend of over $150K annually ($12,500 per month), then the Capital One Spark Cash Plus is the card you'll want. It has a whopping $150 annual fee, but that fee is reimbursed if you're able to spend $150K during the calendar year.

Authorized User Fee

There is no cost to additional users to the Spark Cash Select Card. Adding employees to the account can help you earn cash back for your business faster.

Foreign Transaction Fee

The Spark Cash Select Card has a 0% foreign transaction fee. That makes this a great card for any business that deals with international travel or spending.