Is Capital One Spark Cash Select worth it?

The Capital One Spark Cash Select is a top-tier business credit card that offers unlimited 1.5% cash back on all purchases, ideal for businesses with excellent credit-seeking cash rewards.

What credit score do I need to get Capital One Spark Cash Select?

The recommended credit score for Capital One Spark Cash Select is 740 - 850.

Advertiser Disclosure

Capital One Spark Cash Select

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Rates and Fees

Annual Fee: $0

Bonus Miles

Cash Back

$500

Recommended Credit

740 - 850

Current Offer

Earn a $500 cash bonus when you spend $4,500 in the first 3 months of account opening.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

$500

Cash Back

Earn a $500 cash bonus when you spend $4,500 in the first 3 months of account opening.

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

Summary

The Capital One Spark Cash Select is an excellent choice for business owners with an excellent credit profile who want to earn cash-back rewards on their business spending. It offers a straightforward 1.5% cash-back rate on all purchases, making it easy to earn and redeem cash-back rewards. With no annual fee, it's a cost-effective option for businesses.

Earning Rewards

5% cash-back per $1 on hotels and rental cars booked through Capital One's travel booking site
1.5% cash-back per $1 for your business on every purchase, everywhere, no limits or category restrictions

‍

Additional Benefits

Foreign Transaction Fee

Rates and Fees

None

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Cash Back

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

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Cash Back

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American Express Blue Business Cash™ Card

Annual Fee: $0

Rates & Fees | Terms Apply

$250

Cash Back

Earn a $250 statement credit after you spend $3,000 in purchases in the first three months of card membership.

$250

Cash Back

Earn a $250 statement credit after you spend $3,000 in purchases in the first three months of card membership.

The American Express Blue Business Card is a versatile business credit card that offers a flexible rewards program, allowing you to earn Membership Rewards points on a variety of business expenses, from office supplies to travel. With no annual fee and valuable benefits like purchase protection and extended warranties, it's an excellent choice for businesses seeking a straightforward and cost-effective way to earn rewards.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

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Capital One Spark Cash Select

CURRENT OFFER

$500

Cash Back

Earn a $500 cash bonus when you spend $4,500 in the first 3 months of account opening.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Learn More Rates & Fees

REWARDS RATE

ANNUAL FEE

Our Score

Annual fee (20%)

Welcome Offer (20%)

Point Redemption Value (20%)

Rewards Rates (15%)

Benefits (15%)

Travel Protections (10%)

Our Take

Comparable Cards

No items found.

FULL COMPARISON

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Pros & Cons

Pros

The 1.5% cashback rate on all purchases is easy to understand and rewarding for everyday business spending
No annual fee
Access to valuable business benefits, such as expense tracking tools and year-end summaries, simplifies financial management
Designed for businesses with an excellent credit profile, making it accessible to businesses with strong credit histories

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Cons

While it offers cashback rewards, it may not have premium travel or business-specific benefits that some other business credit cards offer

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Rewards Summary

5% cash-back per $1 on hotels and rental cars booked through Capital One's travel booking site
1.5% cash-back per $1 for your business on every purchase, everywhere, no limits or category restrictions

‍

Additional Benefits

Customer Reviews & Redemptions

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