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Spark® 1.5% Cash Select from Capital One® review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
17.49% ‐ 23.49% (Variable)
Interest Rate: Purchases
17.49% ‐ 23.49% (Variable)
Balance Transfer
17.49% ‐ 23.49% (Variable)
Balance Transfer
17.49% ‐ 23.49% (Variable)
1.5% cashback
1.5% cashback
Signup Bonus
$500 after spending $4,500
Signup Bonus
$500 after spending $4,500

Informr score
The Spark® 1.5% Cash Select from Capital One® currently has an Informr score of 8.5 out of 10. This score is based on our evaluation of 24 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Spark® 1.5% Cash Select from Capital One® is typically available to those with excellent 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 Spark 1.5% Cash Select is appealing for its flat-rate 1.5% cash back on all purchases and 0% intro APR offer. These features make it ideal for small business owners who don’t like to memorize reward categories or aren’t concerned about earning a welcome bonus.

- Brett Holzhauer, MoneyGeek

If you want a card that will bring in some rewards as you save on many of the fees other cards have, the Capital One Spark Cash Select - $500 Cash Bonus is a good choice. If you are the owner of a growing business that doesn't do much traveling, this card can provide multiple opportunities to save m...

- Jennifer Doss,

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. Many business credit cards offer generous rewards programs, but they charge high annual fees or make their programs complicated to navigate. If you don't w...

- Christy Rakoczy, FinanceBuzz

A fine choice for entrepreneurs who want a no-annual-fee cash-back card that doesn't charge foreign transaction fees. If you don't plan to use the card for international purchases, though, go with a more rewarding option.

- Claire Tsosie, Paul Soucy, NerdWallet

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


Interest Rates
Regular APR Interest Rate 17.49% ‐ 23.49% (Variable)

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

Balance Transfer Interest Rate 17.49% ‐ 23.49% (Variable)

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

Cash Advance Interest Rate 31.24% (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 $500 after spending $4,500

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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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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