What you get
Rewards and benefits
How it earns
Unlimited 5% cash back when you book travel through Capital One Business Travel Unlimited 1.5% cash back earned on every purchase, with no limits and no expiration dates Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel. The bonuses are available by starting the application process from this page, and may not be available if you navigate away from or close this page. The bonuses may not be available for existing or previous Capital One Business card holders. Venture X Business Limited Time Offer: Earn up to 300,000 bonus miles and a $1,000 Capital One Business Travel Credit. Spend $40,000 in the first four months and earn 150,000 miles. Spend $120,000 in the first four months and earn an additional 150,000 bonus miles as well as a $1,000 Capital One Business Travel credit to use toward purchases made through Capital One Business Travel. This credit will be applied to your Capital One Business Travel balance within two billing cycles and can be applied to purchases at checkout. This credit expires 16 months after account opening. Annually, eligible Venture X Business primary account holders will also receive a $300 Capital One Business Travel credit to use toward purchases made through Capital One Business Travel. Each annual travel credit will expire on the day before the next account open date anniversary at 11:59 p.m. ET. The annual travel credit will be available within Capital One Business Travel and can be applied to purchases at checkout. The annual travel credit may be used in whole for a single purchase or in part over multiple purchases. Rewards will not be earned on the travel credits. If the purchase using the travel credits is canceled, the travel credits will be restored if they are not expired. Expired travel credits will not be restored upon cancellation. A Venture X Business card account must be open and in good standing to receive or use the travel credits. Spark Cash Plus Welcome Bonus: Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months. Spark Cash Plus Additional Bonuses: Earn a $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times during your first year as cardholder. Venture Business Welcome Bonus: Earn 100,000 bonus miles when you spend $10,000 in the first 3 months. VentureOne Business Welcome Bonus: Earn 50,000 miles when you spend $4,500 in the first 3 months. Spark Cash Welcome Bonus: Earn a $1,000 cash bonus when you spend $10,000 in the first 3 months. Spark Cash Select Welcome Bonus: Earn a $750 cash bonus when you spend $6,000 in the first 3 months.
- 1.5% cash back Earn a $750 cash bonus
- Extended warranty Get free additional warranty and protection on eligible items that you purchase with your card.
Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.
What it costs
Fees, rates and terms
Annual fee$0
Advertised credit profileExcellent Credit
The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Capital One makes every lending decision.
- Annual fee and first-year pricing
- Enjoy a $0 annual fee in addition to the big rewards and cash bonus you can earn.
- Purchase APR
- 0% intro APR for 9 months; 16.99% - 26.99% variable APR after that based on your creditworthiness.
- Introductory APR and duration
- 0% intro APR for 9 months; 16.99% - 26.99% variable APR after that based on your creditworthiness. Earn unlimited 1.5% cash back on every purchase. Plus, earn a $750 cash bonus when you spend $6,000 in the first 3 months. New cardholders enjoy a 0% intro APR for the first 9 months.
- Foreign transaction fee
- Pay zero foreign transaction fees on purchases made outside of the United States.
- Redemption options and restrictions
- Redeeming the cash you earn with your Spark Cash Select card is easy. Sign in to your Capital One Business account and navigate to the View rewards section. You’ll see different ways you can redeem your cash back, such as through a statement credit or check.
- Purchase protection and extended warranty
- Extended warranty Get free additional warranty and protection on eligible items that you purchase with your card.
- Authorized users and fees
- Free employee cards Track employee spending while earning all the rewards from their purchases.
- Other conditions
- You can see if you’re pre-approved for this card and others with no impact to your personal credit score.
Recorded from Capital One’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.
Your call
Before you apply for the Capital One Spark 1.5% Cash Select
- Treat an eligible welcome offer as first-year value only, separately from ongoing rewards. Review spend requirements and account eligibility.
- Confirm business eligibility, employee-card fees and any personal-guarantee requirements.
- Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.
Read the full application checklist →See how it fits your spending in Find My Card →