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The Capital One Spark Cash Select for Business card has an offer for $500 bonus cash when you spend $4,500 on purchases within your first 3 months. It’s not the best bonus out there, but the card also doesn’t cost anything to carry.
The Spark Cash Select card is a no-frills business rewards card that offers straightforward cash back for every purchase. It was designed for small business owners who want to cut costs and increase revenue, but don’t want to bother with complicated rewards. Its big brother, the Capital One Spark Cash for Business, earns at a higher rate and has an annual fee.
Capital One offers several “Spark” business cards. Their “Spark Miles” products will earn rewards at a similar rate to their “Spark Cash” counterparts. The rewards with the Miles cards are used toward travel and can actually be worth more now that Capital One has 10+ transfer partners.
the first 3 months
the first 3 months
the first 3 months
*The Spark Cash Select for Business is issued by Capital One. Capital One also offers great sign-up bonuses for its Checking/Savings accounts.
INK BUSINESS CASH® CREDIT CARD
The Ink Business Cash® Credit Card from Chase has an offer for $750 bonus cash back (75,000 Ultimate Rewards points) when you spend $7,500 on purchases in the first 3 months after account opening. This card has no annual fee.
This card earns 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. It also earns 2% cash back on the first $25,000 in combined spending at gas stations and restaurants each anniversary year. All other purchases earn an unlimited 1% cash back.
You can redeem your rewards for cash back, gift cards, travel and more.
The Ink Business Cash® Credit Card earns Chase Ultimate Rewards. This allows for more redemption possibilities when paired with other Chase Ultimate Rewards cards (e.g. Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Ink Business Preferred® Credit Card). Pair it with one of these cards, use the available transfer partners, and 75k Ultimate Rewards points can be worth up to $1,500 in value.
Capital One Spark Cash Select $500 Bonus Offer
Take advantage of the Spark Cash Select card’s $500 bonus cash introductory offer. That’s a solid bonus considering it comes with no annual fee.
To qualify, charge at least $4,500 to your card within the first 3 months of opening your account.
Here are some ideas on meeting the spending requirement.
Redeeming Your Spark Cash Rewards
Redeem at any time with no minimums for:
- Statement credits
- Checks
Set up automatic redemption preferences, like:
- On a set date each calendar year
- When you hit a specific dollar figure ($25, $50, $100 or $200)
If you don’t set up automatic preferences, you can redeem on request.
Bottom Line
The Spark Cash Select for Business credit card from Capital One is a decent rewards card with no annual fee. It gives a flat-rate cash back on all purchases, which is great for companies with diverse spending.
Other cashback cards have higher earning rates for certain purchases. But the rewards structure will also be more complicated. For simpler rewards, stick to a flat-rate cash back card like Spark Cash Select.
If your business spends more than $19,000 a year, you’ll get better earning power with the Spark Cash for Business. It gives 2% cash back on all purchases and has an annual fee of $95.
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