refernerd
Ask the Nerd

Capital One · business · visa

Spark 1.5% Cash Select

The no-fee business cash card — a flat 1.5% with a solid welcome bonus and a lower ongoing APR. Fine for smaller businesses that won't clear the 2% card's fee.

Current public offer

$750 cash bonus — as of 2026-07-01

Fees & fine print

  • Annual fee: $0
  • Suggested credit: Excellent (720+)
  • No foreign transaction fee ✓

Earning

  • 1.5% cash back on every purchase

Informational only — not financial advice. Offers change; verify all terms with the issuer before applying.