Capital One Spark Cash Select

Yes, if you want a low-maintenance business card that earns a solid return on nearly everything. The main draw is the uncomplicated 1.5% cash back rate on all purchases, which makes this an easy fit for businesses with spending spread across many categories. The $0 annual fee also means you can keep it long term without needing credits or perks to justify the card.

The tradeoff is that this is more about simplicity than outsized rewards. If your business spends heavily in a few specific categories, or you want premium travel benefits, you can likely earn more elsewhere. Spark Cash Select makes the most sense for business owners who want dependable everyday cash back, no foreign transaction fees, and a card that stays easy to use month after month.