The Capital One® Spark® Cash Select for Business is the perfect card for almost any business. If you sign up today, you can earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months.
With this card, you will get an unlimited 1.5% cash back on every purchase for your business, with no minimum to redeem. If you don’t want to hassle with rotating rewards categories, then this is the card for you. Check out all the other features and benefits below!
Spark Cash Select for Business Summary
With the Capital One® Spark® Cash Select for Business:
• Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
• Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
• Save on interest with 0% intro APR on purchases for 9 months; 15.24%-23.24% variable APR after that
• No annual fee
• Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
• Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
• Get employee cards at no additional cost, and earn rewards from their business spend
Earning & Redeeming Cash Back
Many business cash-back cards offer bonus categories that can increase your rewards if your business spending fits into them. However, they can also limit your rewards if it doesn’t. By offering a 1.5% flat rate cash back on all spending, the Capital One® Spark® Cash Select for Business doesn’t have these complications. This makes the card a good choice for a business with spending all over, not concentrated in typical bonus categories, such as office supplies or travel.
Redeem cash back earned as a statement credit to reduce the balance of your account, or have it mailed to you in the form of a check. Statement credit is the easiest way to redeem.
Capital One has an automatic redemption system you can set up. This will automatically redeem your cash back at either a set time every year or when you reach a specified threshold.
You can also redeem your cash back for certain purchases, gift cards, and other expenses. However, these methods are subject to change. Plus, they won’t always grant the full value of 1 cent for every 1 cent you’ve earned. Thus, it’s usually best to redeem for statement credits.
The Capital One® Spark® Cash Select for Business offers several perks to help out when shopping. You’ll get Purchase Security to cover your items against theft and damage. Extended Warranty to protect your purchases longer than usual. You’ll also get some travel protections with these cards, like Travel and Emergency Assistance. Auto Rental Collision Damage Waiver to lighten the cost of your car rentals. Plus, Roadside Dispatch service for on-the-road emergency referrals, like tire changes and towing. Travel Accident Insurance and Lost Luggage Reimbursement service are also included. Some more perks for this card include:
- Free Employee Cards: Get an unlimited number of employee cards to distribute to your employees, and earn rewards every time they use them. You can set individual credit limits for the cards.
- 24/7 Concierge Service: The number on the back of your card can provide you with non-emergency help with a variety of tasks. These include making travel arrangements, getting tickets to events or reservations at restaurants, and finding hard-to-find gifts.
- No Foreign Transaction Fees: Many credit cards carry a foreign transaction fee of about 3%. Thus, they can easily wipe out the value of any rewards you earn. With this card, you get to keep all the rewards you earn without paying that fee.
- Visa SavingsEdge: Get up to 15% off at merchants when you shop through the Visa SavingsEdge shopping portal. You’ll find deals at gas stations, hotel chains, restaurants, office supply merchants, tech websites, and more.
- Visa Signature Luxury Hotel Collection: Frequent travelers can get a variety of perks, discounts, and complimentary services at over 900 hotels around the world, including most of the top brands.
The Capital One® Spark® Cash Select for Business comes at no annual price but gives you a great multitude of benefits. It’s overall simplicity and versatility make it really stand out. Hurry up and sign up today! If not, then don’t forget to check out our complete list of Credit Card Promotions today!
Learn more about this card and find out how you can apply here.
Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.