Spark® Cash Select from Capital One® review

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Advertiser Disclosure

Interest Rate: Purchases
14.74% ‐ 22.74% (Variable) (0% for the first 9 months)
Balance Transfer
14.74% ‐ 22.74% (Variable)
Rewards
1.5% cashback
Signup Bonus
$200 after spending $3,000


8.9/10
Informr score
The Spark® Cash Select from Capital One® currently has an Informr score of 8.9 out of 10. This score is based on our evaluation of 11 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...


Compare Cards

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...

- Compare Cards
NextAdvisor

If your business is looking for a card with a nice combination of unlimited cash back rewards on all purchases, no annual fee and a 0% intro APR period on purchases, Capital One® Spark® Cash Select for Business is for you.

- NextAdvisor
NerdWallet

Small-business owners who don’t have the time to keep track of bonus categories or want to avoid extra fees will find the Capital One Spark Cash Select for Business an easy choice. However, if your business already spends a lot in another business credit card’s bonus category, or you want more busin...

- Ben Luthi, NerdWallet
CreditCards.com

The Spark Cash Select from Capital One is a good no-fee business credit card that doles out 1.5 percent cash back for every dollar you spend.

- Holly Johnson, CreditCards.com
CardRatings.com

The card provides multiple opportunities to save money and earn money that can be invested back into your business. In addition, the introductory offer and rewards program are easy to understand and easy to make the most of.

- Curtis Arnold, CardRatings.com

Details


Interest Rates
Regular APR Interest Rate 14.74% ‐ 22.74% (Variable) (0% for the first 9 months)

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

Balance Transfer Interest Rate 14.74% ‐ 22.74% (Variable)

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

Cash Advance Interest Rate 24.74% (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

Maximum

Promotions
Sign up bonus $200 after spending $3,000

On purchases within the first 3 months.

Rewards
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
Additional Benefits

Lost Luggage Reimbursement

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


Compare Cards

Generous rewards: unlimited 1.5% cash back, no annual fee

Compare Cards

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 cards and helpful expense reports.

Read full review

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 cards and helpful expense reports.

Read full review

Less

NextAdvisor

A strong business card with terrific cash back rewards

If your business is looking for a card with a nice combination of unlimited cash back rewards on all purchases, no annual fee and a 0% intro APR period on purchases, Capital One® Spark® Cash Select for Business is for you.

Read full review

If your business is looking for a card with a nice combination of unlimited cash back rewards on all purchases, no annual fee and a 0% intro APR period on purchases, Capital One® Spark® Cash Select for Business is for you.

Read full review

Less

NerdWallet

A simple solution for your business

from NerdWallet

Small-business owners who don’t have the time to keep track of bonus categories or want to avoid extra fees will find the Capital One Spark Cash Select for Business an easy choice. However, if your business already spends a lot in another business credit card’s bonus category, or you want mor...More

Small-business owners who don’t have the time to keep track of bonus categories or want to avoid extra fees will find the Capital One Spark Cash Select for Business an easy choice. However, if your business already spends a lot in another business credit card’s bonus category, or you want more business-specific perks, you might be better off passing on this one.

Read full review

Less

CreditCards.com

Good ongoing rewards rate

from CreditCards.com

The Spark Cash Select from Capital One is a good no-fee business credit card that doles out 1.5 percent cash back for every dollar you spend.

Read full review

The Spark Cash Select from Capital One is a good no-fee business credit card that doles out 1.5 percent cash back for every dollar you spend.

Read full review

Less

CardRatings.com

Great for new business owners who don't travel frequently and prefer to skip the annual fee

from CardRatings.com

The card provides multiple opportunities to save money and earn money that can be invested back into your business. In addition, the introductory offer and rewards program are easy to understand and easy to make the most of.

Read full review

The card provides multiple opportunities to save money and earn money that can be invested back into your business. In addition, the introductory offer and rewards program are easy to understand and easy to make the most of.

Read full review

Less

ValuePenguin

An excellent no-annual-fee small business credit card

from ValuePenguin

The Capital One® Spark® Cash Select for Business is a good option for business owners spending below $19,000 annually, who want a simple no-annual-fee cash back credit card.

Read full review

The Capital One® Spark® Cash Select for Business is a good option for business owners spending below $19,000 annually, who want a simple no-annual-fee cash back credit card.

Read full review

Less

Finder

A no-frills credit card offering unlimited 1.5% cash back

The no-annual-fee Capital One Spark Cash Select for Business card can get you cash back on your business spending. But you’ll pay potentially high APRs, depending on your creditworthiness.

Read full review

The no-annual-fee Capital One Spark Cash Select for Business card can get you cash back on your business spending. But you’ll pay potentially high APRs, depending on your creditworthiness.

Read full review

Less

Wise Bread

Extra cash for your small business

from Wise Bread

This card is one of the best available for small businesses because it is essentially fee-free and is especially ideal if you frequently travel abroad or need to make international purchases.

Read full review

This card is one of the best available for small businesses because it is essentially fee-free and is especially ideal if you frequently travel abroad or need to make international purchases.

Read full review

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Credit Cards Explained

Offers you cash back at a competitive rate of return

from Credit Cards Explained

This is an ideal card for new business owners who need a credit card that has a strong but simple rewards program and valuable benefits. Those who are just looking for a competitive cash back card with no annual fee will be satisfied with the Capital One Spark Cash Select for Business.

Read full review

This is an ideal card for new business owners who need a credit card that has a strong but simple rewards program and valuable benefits. Those who are just looking for a competitive cash back card with no annual fee will be satisfied with the Capital One Spark Cash Select for Business.

Read full review

Less

Bankrate

Unfussy card with straightforward cash back but not much else

from Bankrate

Business owners who want a hassle-free card with a generous and unlimited rewards structure may find the Capital One Spark Cash Select for Business fits the bill. On the other hand, if you tend to carry a balance – and you can qualify for the lowest annual percentage rate, this card also is a decent choice to carry in your pocket.

Read full review

Business owners who want a hassle-free card with a generous and unlimited rewards structure may find the Capital One Spark Cash Select for Business fits the bill. On the other hand, if you tend to carry a balance – and you can qualify for the lowest annual percentage rate, this card also is a decent choice to carry in your pocket.

Read full review

Less

User Reviews


Darn, there are no reviews yet for this credit card. Be the first to write a review.