Some business cards reward you generously but will also charge you a super hefty annual fee.
Others have no annual fee, but their rewards are subpar.
Enter: the Capital One Spark Cash Select.
This card is the perfect middle ground for business owners who want easy cash back with no fees, no complicated categories and no nonsense. With 1.5% unlimited cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One’s travel booking site, this card makes earning rewards effortless.
Plus, there’s a solid welcome offer: Earn a $500 cash bonus when you spend $4,500 in the first 3 months of account opening..
The best part? It’s completely free to keep forever.
Here’s everything we’ll dive into:
Pros and Cons
Let’s get into it, shall we?
Pros:
1.5% unlimited cash back on every purchase
5% cash back on hotels and rental cars booked through Capital One’s travel booking site
No foreign transaction fees, so it’s great for international business travel
No rotating categories or enrollments
Cons:
1.5% cash back is solid, but not the highest
No premium travel perks (if lounge access is a priority, look elsewhere)
Why We Love the Capital One Spark Cash Select Card
Some business owners love maximizing rewards with fancy bonus categories and points transfers.
Others just want a simple, free way to earn cash back on everything they buy.
If you’re in the second camp, the Spark Cash Select is perfect for you.
With 1.5% unlimited cash back, there’s zero effort involved. No remembering which card to use for gas, dining, or office supplies. Just use this card for everything and get rewarded automatically.
And because there’s no annual fee, you’ll never have to justify keeping it. Whether you’re a new business owner looking for an easy way to earn cash back or an experienced entrepreneur who wants a simple rewards card, this is one of the best free business cards on the market.
How It Stacks Up Against Other Business Cash Back Cards
So, how does the Spark Cash Select compare to other business cash back cards?
Here’s the quick breakdown:
Spark Cash Select vs. Capital One Spark Cash Plus → Spark Cash Plus earns 2% cash back (compared to 1.5%) but has a steeper annual fee and requires full payment each month. If you’re a high spender, it might be worth upgrading. Otherwise, Spark Cash Select is the better free option.
Spark Cash Select vs. Ink Business Unlimited® Credit Card → Both earn 1.5% cash back, but the Ink Business Unlimited earns Ultimate Rewards points, which can be transferred to travel partners if paired with a premium Chase card. If you prefer pure cash back, Spark Cash Select wins.
Spark Cash Select vs. American Express Blue Business Cash™ Card → Both have no annual fee, but Amex caps 2% cash back at $50K in spending per year. Spark Cash Select has no limits, making it the better choice for higher-spending businesses.
The bottom line? If you want no fees and unlimited rewards, Spark Cash Select is a winner across the board!
Bottom Line
If you want a business credit card that’s free to keep forever and still earns solid rewards, the Spark Cash Select is a great option.
It’s easy to use and doesn’t require extra expense tracking.
Let’s be real, getting cash back for things your business is already paying for? That’s a no-brainer.
