The Capital One Spark Cash Select for Business is a business credit card from Capital One Spark Cash Select for Business. The annual fee is $0. The ongoing APR is 19.24% - 25.24% Variable after a 0% introductory rate for 12 months. Approval typically requires a credit score of 650-700 or higher. Signup bonus: One-time $200 cash bonus after you spend $3,000 on purchases in the first 3 months.. Rewards: 1.5% cash back on every purchase.. Cash back: 1.5% cash back on all purchases.. Typical credit limit: Varies. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Capital One enforces a 2-card limit (you cannot have more than 2 Capital One personal cards open at any time) and a 6-month rule (you can only be approved for one new Capital One card every 6 months). Capital One pulls from ALL THREE bureaus on every application (triple pull).. No annual fee and unlimited cash back. | EXPERT REFERENCE (Jan 2026): Discover it Business cardholders are being transitioned into Capital One Spark 1.5% Cash Select card on Jan 26th. | EXPERT REFERENCE (Jan 2026): The new card will maintain a 1.5% cash back reward structure and no annual fee. | EXPERT REFERENCE (Jan 2026): Capital One's response to APR changes: 'Check the mail. Your terms may vary.'