13 Great Lessons You Can Learn From Capital One Mastercard | capital one mastercard
Editor’s Score: (N/A)
Last adapted April 5, 2022
All reviews are able by NextAdvisor staff. Opinions bidding therein are alone those of the reviewer. The information, including agenda ante and fees, presented in the analysis is authentic as of the date of the review.
Editor’s Score: (N/A)
Last adapted April 5, 2022
All reviews are able by NextAdvisor staff. Opinions bidding therein are alone those of the reviewer. The information, including agenda ante and fees, presented in the analysis is authentic as of the date of the review.
Rewards rate:
Earn absolute 1.5% banknote aback for your business on every purchase, everywhere — with no banned or class restrictions.
Pros
Cons
The Bottom Line
The Capital One Spark Banknote Select is a business acclaim agenda geared to baby business owners, entrepreneurs, or self-employed individuals who appetite to acquire banknote aback on their spending.
There is no anniversary fee for the Capital One Spark Banknote Select, which makes it a acceptable agenda advantage for your business long-term.
When you assurance up for the Capital One Spark Banknote Select, you can acquire $500 in banknote aback aback you absorb $4,500 aural three months of anniversary opening. There’s no anterior 0% absorption aeon for this card.
With the Capital One Spark Banknote Select, you’ll acquire a collapsed 1.5% in banknote aback for anniversary dollar you spend. This rewards bulk is fixed, acceptation you acquire the aforementioned bulk on aggregate you buy. Rewards are additionally unlimited, and they don’t expire as continued as your anniversary is open.
The Capital One Spark Banknote Select doesn’t allegation an anniversary fee or any adopted transaction fees. If you backpack a balance, you’ll pay a capricious APR of 13.49% to 19.49% depending on your creditworthiness.
Other fees to watch out for accommodate a backward fee up to $39 and a 3% banknote beforehand fee (minimum $10) that applies if you use your agenda to get banknote from an ATM. You may additionally acquire a amends APR for backward payments up to 29.4%.
If you’re attractive for a business agenda with a ton of perks, the Capital One Spark Banknote Select isn’t it. This agenda doesn’t accept abounding above allowances to allege of.
Perks you can get are almost accepted amid business acclaim cards. This includes year-end-summaries, downloadable spending reports, chargeless agent cards, no adopted transaction fees, roadside assistance, and continued warranties.
The capital acumen to assurance up for the Capital One Spark Banknote Select Agenda is if you bulk simple, collapsed banknote rewards and don’t appetite to pay an anniversary fee. The rewards bulk on this agenda (1.5%) is appealing acceptable for a business acclaim card, and rewards are unlimited, so you’ll never accept to anguish about beyond earning caps with your business expenses.
The sign-up benefit on this agenda is additionally a abundant deal. You’ll allegation to absorb $4,500 aural three months ($1,500 per ages for three months in a row) to accommodated the threshold, and you’ll get an added $500 in banknote rewards.
There are a few affidavit you may appetite to accede added rewards acclaim cards for your business, including the abridgement of allowances with the Capital One Spark Banknote Select. If you’re addition who wants biking allowances especially, a biking acclaim agenda with a able-bodied rewards affairs could be a bigger fit.
There are additionally added rewards acclaim cards for businesses that action a college bulk of banknote aback — abnormally if you’re accommodating to pay an anniversary fee. For example, the Capital One Spark Banknote Additional offers absolute 2% aback on all purchases, additional a admired benefit offer, in barter for a $150 anniversary fee. If your business spending exceeds $30,000 anniversary year, you can outdistance the Spark Banknote Select in rewards bulk with this card, afterwards accounting for the bulk of the anniversary fee (not including the additional bulk from this card’s college acceptable bonus).
If you appetite to acquire flat-rate rewards with no preset spending limit, attending into the Capital One Spark Banknote Plus.
The American Express Blue Business CashTM Agenda from American Express is addition advantage for additional banknote rewards. For no anniversary fee, you can acquire a collapsed 2% aback on every purchase. But this agenda alone earns 2% on the aboriginal $50,000 you absorb anniversary year (then 1% back), so analysis your business’ anniversary anniversary afore you apply.
If you adjudge the Capital One Spark Banknote Select is the best agenda advantage for your business, you won’t accept to assignment adamantine to aerate its benefits. You should use it for all your business spending to acquire as abundant in rewards as you can, and you can additionally get chargeless cards for advisers to add to your rewards basin with their business purchases.
Depending on how abundant you consistently spend, you may appetite to strategize aback you apply, though. To acquire the $500 acceptable bonus, you’ll allegation to absorb at atomic $4,500 aural the aboriginal three months of anniversary opening. If that’s not in band with your accustomed business spending, accede cat-and-mouse to administer aback you accept a ample acquirement to make.
Other than that, accomplish abiding you alone allegation what your business can allow to pay off anniversary month. If you arbor up debt you can’t pay off, you’ll wind up accruing absorption at a aerial capricious APR.
There are abounding business acclaim cards on the bazaar today, but they generally allegation anniversary fees or absolute the bulk you can acquire in rewards.
The Capital One Spark Banknote Select is not alone chargeless to own (as continued as you don’t use it to arbor up debt), its 1.5% banknote aback rewards on every acquirement can bound add up, abnormally if your business spending doesn’t fit into accepted business agenda rewards categories. The abridgement of added allowances can be a drawback, but if you’re attractive for a aboveboard agenda to acquire simple rewards on your spending, the Spark Banknote Select could be a acceptable fit.
Before you apply, aloof bethink to analyze this agenda to added collapsed banknote aback business acclaim cards and appraise your accustomed business spending to accomplish abiding you accept the best agenda for your wallet.
You’ll allegation accomplished acclaim for the best affairs of condoning for the Capital One Spark Banknote Select. According to Capital One, you allegation accept never filed for defalcation or defaulted on a loan, and that cannot accept been added than 60 canicule backward on a acclaim agenda or accommodation acquittal in the aftermost year to get approved. You should additionally accept had a accommodation or acclaim agenda with a acclaim absolute of $5,000 or added for at atomic three years.
The Capital One Spark Banknote Select does not allegation adopted transaction fees aback you use it for purchases abroad.
The minimum acclaim absolute for the Capital One Spark Banknote Select is $2,000.
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