Capital One® Spark® Cash Select for Business

Note: Capital One is a Frequent Miler advertiser. Please see our Advertiser Disclosure.

Capital One Spark Cash Select Business Credit Card

FM Mini Review: This is a good option for business owners looking for simple cash back rewards with no annual fee. If you spend more than $19,000 per year, though, you would be better off with the 2% Spark Cash card.

Card Type: Visa Signature


Earning rate: 1.5% everywhere

Noteworthy perks: No foreign transaction fees


The Capital One Spark Cash Select for Business card offers 1.5% cash back for all spend.

Overall, I expect that most businesses would do better with the Capital One® Spark® Cash for Business (2% back everywhere), the Capital One® Spark® Miles for Business (2X everywhere), or the Chase Ink Business Preferred Card (3X in select categories).

Overall, this is a good choice for a welcome offer, but it is a mediocre choice to use for spend.

Application Tips

Capital One Application Tips

  • 6 month rule: Must wait 6 months after applying for a Capital One card before applying for another one.

  • 2 card limit: Conventional wisdom and user experience has been that you can have at most 2 Capital One consumer cards, but according to application terms it may be possible to have up to 5. You may be limited to 2 of their rewards cards. Note that this limit does not apply to Capital One co-branded cards like the Kohl's charge card.

  • Get Same Card Again: There is no known rule against getting the same card and bonus again even if you still have the card open.

  • Hard inquiries usually get issued through all 3 credit bureaus

To check application status, call (800) 903-9177 or (877) 277-5901
If denied, call reconsideration here: (800) 625-7866

Related Cards (CapOne cash back cards)

Capital One Spark Cash Business Credit Card
$500 Cash back
Earn a one-time bonus: $500 after $4.5K spend in 3 months

No Annual Fee First Year, Then $95

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: Up to $2,000 Cash Back: Earn a one time bonus: $500 after $5K spend in 3 months from account opening and earn an additional $1,500 when you spend $50K in the first 6 months of account opening [Expired 1/27/20]

Capital One Quicksilver
$150 Cash Back
One time bonus: $150 after $500 spend in 3 months from account opening

No Annual Fee

Capital One Savor One
$150 Cash Back
One time bonus: $150 after $500 spend in 3 months from account opening

No Annual Fee

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