MoneyGeek’s Take

Capital One Spark Cash Select Review

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Capital One Spark Cash Select
Credit Card logo for Capital One Spark Cash Select
On Issuer's Site

Rewards Summary
Earn 1.5% – 5% cash back
APR
17.99% – 23.99% variable
Annual Fee
$0
Recommended Credit
740-850 (Excellent)

As the name suggests, the Capital One Spark Cash Select is for people with excellent credit scores. It's a good choice if you're in that credit score range and want to earn uncapped flat-rate cash back on every purchase without any annual or foreign transaction fees. While there are no bonus categories with higher rewards rates, there are no categories or activations to remember or spending limits to keep an eye out for, making this a great choice for those looking for a straightforward approach.

Also, if you spend $4,500 in your first three months as a cardholder, you will earn an impressive $500 bonus. Here's what else you need to know about the card's features, advantages, drawbacks and other characteristics to help you determine if it's right for you.

Capital One Spark Cash Select Overview

The Capital One Spark Cash Select offers a range of benefits for small business owners. Here's a quick overview and a deep dive into some notable features.

  • Rewards rate: 1.5% cash back on every purchase; 5% cash back on hotels and rental cars booked through Capital One Travel
  • Welcome offer: Earn $500 after spending $4,500 in the first three months
  • Regular APR: 17.99% – 23.99% (variable)
  • Annual fee: $0
  • Intro APR offer: None

Important Card Details

Understanding a new card's benefits, fees and interest rates is essential to decide if it's right for you.

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    Decent Flat Rewards Rate

    You'll earn 1.5% cash back on every purchase with this card. Plus, there's no spending cap, meaning there's no limit on your rewards potential. And 5% cash back on hotels and rental cars booked through Capital One Travel

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    Generous Welcome Bonus

    This card comes with a generous welcome offer of $500 cash after spending $4,500 in the first three months. If you anticipate spending that amount on your new card anyway, it's also a pleasant bonus to be rewarded for it.

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    No Annual Fee

    This card does not have an annual fee.

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    Fairly Typical APR

    The regular APR is 17.99% – 23.99% (variable), which is a little higher than the typical APR for a business credit card of 17% or 18%.

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    No Foreign Transaction Fee

    With no surcharge on transactions made in a foreign currency or outside the United States, you can still earn cash back rewards without penalties while shopping worldwide.

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    Easy Account Management

    You can assign an authorized user to your account and have them manage it on your behalf.

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    Streamlined Mobile App

    Using the mobile app accessible for both iOS and Android users, you can receive transaction alerts, make payments, manage your rewards, set spend limits for employee cards, lock your card or an employee's card if it has been lost or stolen, view statements, purchase records and more.

How the Capital One Spark Cash Select Compares

The Capital One Spark Cash Select is a solid option for many small business owners. Shoppers who don't want to be a part of complex rewards programs may love this simple cash back card with no annual fees or spending caps.

How This Card Compares

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Capital One Spark Cash Select

Capital One Spark Cash Select

  • Annual Fee: None
  • Regular APR: 17.99% – 23.99% variable
  • Rewards Rate: 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel
  • Foreign Transaction Fee: None
  • Best for: Simple cash back with unlimited rewards
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American Express Blue Business Cash™ Card

For rates and fees of The American Express Blue Business Cash™ Card, please click here.

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

About Doug Milnes, CFA


Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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