Edited by: Keri Stooksbury
& Kellie Jez
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The Capital One Spark Cash Select card is a great no-annual-fee business credit card that earns 1.5% cash-back on all purchases.
If you’re looking for a cash-back business card with no annual fee, Capital One Spark Cash Select card offers 1.5% cash back on every purchase.
If you’re a business owner looking for a card that earns cash-back rewards on every purchase without an annual fee, the Capital One Spark Cash Select card could be a worthwhile option for you.
In addition to its uncapped 1.5% cash-back on all purchases, you’ll also receive 5% back on hotels and rental cars purchased through Capital One Travel, no-additional-fee employee cards, roadside assistance, and extended warranty coverage.
If you want to earn as much cash-back as possible, you’ll want to use this card for every purchase you can since your 1.5% cash-back is uncapped. Even better, hotels and rental cars you book through Capital One Travel earn a compelling 5% cash-back.
You can then have your cash-back rewards deposited into a linked bank account, or use it as a statement credit to offset business expenses you’ve made with your card.
The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners. (Information collected independently. Not reviewed by Capital One.)
The Capital One Spark Cash Plus Card is great for business owners looking to improve their bottom line by earning 2% cash-back on all purchases without a high annual fee. Further, with no preset spending limit, the ability to get your $150 annual fee refunded every year you spend at least $150,000, and free employee cards, there is something that every business owner will love.
If you want to earn even more cash-back rewards on all of your purchases, and you are alright with paying an annual fee, then you’ll want to consider the Capital One Spark Cash Plus card.
With it, you’ll earn an uncapped 2% cash-back on all purchases and 5% cash-back on hotels and rental cars purchased through Capital One Travel. This card has a $200 annual bonus when you spend $200,000 on the card in a calendar year.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
If you prefer to earn flexible rewards that are not limited to cash-back, then the Ink Business Preferred card is worth considering.
The Ink Business Preferred card earns 3x points on up to $150,000 in combined purchases on internet, cable, and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites.
Once you’ve earned those points, you can redeem them through the Chase travel portal with a 25% bonus, transfer them to one of the Chase transfer partners, or redeem for cash-back, gift cards, and more.
Plus the card offers perks including cell phone protection, purchase protection, trip cancellation insurance, and rental car insurance.
The information regarding the Capital One Spark Cash Select for Excellent Credit was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
There is no set score that will guarantee approval for the Capital One Spark Cash Select card. Generally speaking, if your credit score is a 670 or higher, you have reasonably good approval odds. However, credit card issuers take other factors into account, including your years of credit history, business income, and the amount of credit Capital One has already extended to you.
The credit limit that you will be approved for will largely depend on your credit score, business income, and the amount of credit that Capital One may have already extended to you. That said, the minimum credit limit you would receive if you are approved for the card is $2,000.
The Capital One Spark Cash Select card is a Visa card.
No, the Capital One Spark Cash Select card does not have an annual fee.
The Capital One Spark Cash Plus card offers more as it earns an uncapped 2% cash-back compared to 1.5% cash-back on the Capital One Spark Cash Select card.
However, this doesn’t necessarily mean that it is the better option for you because the Capital One Spark Cash Plus card charges an annual fee, and the Capital One Spark Cash Select card has no annual fee.
If you have less than $30,000 of business expenses each year, then you’ll be better off with the Capital One Spark Cash Select card. Those who will spend more than $30,000 on their card should go for the Capital One Spark Cash Plus card.