Capital One Spark Cash Select for Good Credit Card Review

The Capital One Spark Cash Select for Good Credit Card lets you earn a flat rate of 1.5% cash back for everything you spend money on, with no limits or category restrictions. Its 0% intro APR applies to purchases for 12 months, which can be helpful if you’re planning to finance a big business purchase. However, you pay an 21.24% – 29.24% variable APR based on your creditworthiness after the intro period. MoneyGeek covers the details of the Spark 1.5% Cash Select card to help you decide if it’s a good fit for you.

The Capital One Spark Cash Select for Good Credit Card’s benefits make it a solid cash back card for small business owners. MoneyGeek highlighted some of the perks it has to offer.

• No annual membership fee
• 1.5% flat-rate cash back on every purchase
• Set up automatic payments
• $0 fraud liability
• Year-end itemized reports for budgeting and tax-related purposes
• Purchase records in multiple formats
• Extended warranty and protection on eligible items
• Virtual Card Numbers for safer online transactions
• Fraud and security alerts
• Lock cards if they have been stolen or lost

Before going through with your Capital One Spark Cash Select for Good Credit Card application, it’s important to understand the fees that come with this cash back card. Here is an overview.

You can take advantage of the other features included in Capital One Spark Cash Select for Good Credit Card in addition to the 1.5% cash back benefit.

• No fraud liability: You won’t be responsible for any unauthorized charges if your card is lost or stolen.
• Virtual assistant: Eno is Capital One’s virtual assistant tasked to keep an eye on your account 24/7 and reach out to you if it detects something strange in your card activity.
• Security alerts: You get a text, email and phone call if Capital One notices potential suspicious transactions on your account.
• Card lock capability: You can lock your card or an employee’s at a moment’s notice if it has been misplaced, lost or stolen.
• Virtual card numbers: You can pay online without exposing your physical card number for a safer business transaction.
• Customer support: You can contact a Capital One customer service representative 24/7. Its customer service team is specially trained to work with business owners and prepared to answer any questions or address any concerns.
• Customer experience: Capital One ranked third out of 12 national issuers in the latest J.D. Power survey on overall customer satisfaction among credit card users.

While Capital One’s Spark Cash Select for Good Credit Card has several benefits that are appealing to small business owners, like cash back, there may be other options that are worth considering in the same card category. For example, the Capital One Spark Cash Plus has a higher cash back reward rate at 2% that benefits business owners with a high amount of expenses.

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.