If you don't have a high enough credit score to qualify for the Capital One Spark Cash Select for Excellent Credit† but you like the card's earning structure and benefits, you might consider the card's sibling. The Capital One Spark Cash Select for Good Credit†, as the name implies, only requires a good credit score to be eligible to apply. The biggest difference between it and the excellent-credit version is there's no welcome bonus offer. Instead, new Capital One Spark Cash Select for Good Credit† cardholders can take advantage of a 0% intro APR on purchases for 12 months from account opening (followed by a 20.99% - 28.99% Variable APR). That could be a better deal than earning a welcome bonus if your business has large expenses coming up that need to be paid for over time. You could end up saving even more on interest if your business has considerable spending.