Spark® Cash Select from Capital One® review

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Advertiser Disclosure

Interest Rate: Purchases
13.99% ‐ 23.99% (Variable) (0% for the first 9 months)
Balance Transfer
13.99% ‐ 23.99% (Variable)
1.5% cashback
Signup Bonus
$200 after spending $3,000

Informr score
The Spark® Cash Select from Capital One® currently has an Informr score of 8.6 out of 10. This score is based on our evaluation of 15 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Spark® Cash Select from Capital One® is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Capital One Spark Cash Select is a passable card for a business that doesn't spend so heavily that it would get substantial additional benefit from a card that offers richer rewards. But in most key areas it falls behind a number of competitors, including some that also charge no annual fee, at...

- Ben Luthi, Investopedia

The Capital One Spark Cash for Business is a solid cash-back credit card, especially if you want a simple rewards program that provides a lot of value. However, smaller businesses with few expenses may run into some issues offsetting the card’s annual fee. And if you spend a lot in one area, it may...

- Ben Luthi, Cardcruncher

This card is good if you want to keep earning and redeeming rewards as simple as possible for your business. Just remember to keep the ongoing APR in mind if you plan to carry a balance, since interest charges can cancel out rewards earnings.

- Rebecca Lake, MyBankTracker

If you don’t want to worry about rotating rewards or bonus categories, the Capital One Spark Cash Select for Business could be the card for you. While this card doesn't provide offer premium features such as access to airline lounges, it's a simple card ideal for businesses that don't want to think...

- Christy Rakoczy, FinanceBuzz
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The rewards program for the Capital One® Spark® Cash Select for Business Card is user-friendly so you don’t have to worry about limitations on how many dollars in cash back you can earn. There are also some nice features for those running a business, like tools to set spending limits on additional c...

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Interest Rates
Regular APR Interest Rate 13.99% ‐ 23.99% (Variable) (0% for the first 9 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 13.99% ‐ 23.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 26.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee $0.00
Cash Advance Fee 3%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $39.00


Sign up bonus $200 after spending $3,000

On purchases within the first 3 months.

All Purchases 1.5% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Virtual Cards Yes
Additional Benefits

Lost Luggage Reimbursement

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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