Capital One
Capital One Spark Cash Select
No annual fee · Earns Cash Back
A no-annual-fee business card that earns unlimited 1.5% cash back on all purchases, plus 5% on hotels and rental cars booked through Capital One Business Travel. Good for small business owners who want simple, flat-rate cash back.
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Travel general | 5% | |
| Everything else | 1.5% |
Benefits
Welcome Bonus
- Cash Bonus Welcome Offer$750
Earn a one-time $750 cash bonus when you spend $6,000 on purchases in the first 3 months after opening your account. The bonus is credited to your account automatically once you hit the spending threshold. You must meet the $6,000 minimum within the 3-month window to qualify.
Bonus Earnings
- Cash Back on Hotels and Rental Cars via Capital One Business Travel5% / yr
Earn 5% cash back on hotels and rental cars when you book through Capital One Business Travel. To get the higher rate, you must complete your booking through the Capital One Business Travel portal rather than directly with the hotel or rental company. There's no cap on how much you can earn at this rate.
Resets: Yearly - Unlimited Cash Back on Every Purchase1.5% / yr
Earn 1.5% cash back on every business purchase with no caps and no category restrictions. Cash back is applied automatically to every transaction, everywhere you use the card. There's no limit to how much you can earn.
Resets: Yearly
Fees & Miscellaneous
- No Annual Fee$0 / yr
Holding this card costs $0 per year — no annual fee, ever. You keep full access to all card benefits and rewards without paying a yearly charge to maintain your account.
Resets: Yearly