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Capital One Spark Cash Select Review

Last Updated on May 13, 2026

Offer Rating

4.5/5

By Our Content Team

EDITOR

Capital One Spark Cash Select is a business card specifically designed to give plenty of cash back opportunities for cardholders. Read more about it in our expert review!

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Capital One Spark Cash Select card art Rates & Fees

Capital One Spark Cash Select

4.5 BCC Score
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on Capital One's secure site

Welcome Offer
$750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening
Rewards Rate
1.5% Cash Back on every purchase, 5% Cash Back on hotels and rental cars booked through Capital One Business Travel
Intro APR
N/A, then 16.74% - 22.74% (Variable)
Annual Fee
$0
Credit Score Needed
Excellent
Card Brand
Mastercard®
  • Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
  • No annual fee
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
  • Rewards won't expire for the life of the account
  • Redeem your cash back rewards for any amount
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • $0 Fraud Liability for unauthorized charges
  • Top rated mobile app

Review additional details for Capital One Spark Cash Select

More Info

Pros

  • No annual fee
  • Sign-up bonus
  • Unlimited cash back with no category restrictions

Cons

  • No Intro APR
  • Excellent credit is recommended

OUR EXPERT REVIEW

Why We Like It

Small business entrepreneurs looking to have a well-rounded wallet should look no further than the Capital One Spark Cash Select card. Designed with you in mind, this card has a simple, no-rotating-category rewards rate, a decently sized cash sign-up bonus, and did we mention that there is no annual fee?

This card gives back to business owners with an unlimited rewards rate of 1.5% Cash Back on every purchase, 5% Cash Back on hotels and rental cars booked through Capital One Business Travel. Cash Back does not expire for the life of the account and is redeemable for any amount. The rewards rate also applies to any employee cards that are added (free of cost) to the account. The best part— no rotating categories. The 1.5% Cash Back applies to every purchase, from a new printer to buying the office lunch!

Now let's get into this card's namesake: its cash sign-up bonus. Cardholders can earn $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening. Not only are your purchases already earning you cash back, but if they compound to $6,000 within the first 3 months, that's money right back into your business or wallet! Additionally, the Capital One Spark Cash Select card is a no annual fee and no foreign transaction fee card. Need we say more?

Pros & Cons

Pros

  • No annual fee
  • Sign-up bonus
  • Unlimited cash back with no category restrictions

Cons

  • No Intro APR
  • Excellent credit is recommended

Pros Explained

  • No annual fee: Cardholders will not have to worry about pesky extra yearly expenses such as annual fee.
  • Sign-up Bonus: This card offers the chance to earn $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening.
  • Unlimited cash back with no category restrictions: 1.5% Cash Back on every purchase, 5% Cash Back on hotels and rental cars booked through Capital One Business Travel.

Cons Explained

  • No Intro APR: While there is cash back opportunity with this card, there is no Intro purchase APR that could be beneficial for big purchases.
  • Typically suited for those with excellent credit: Applicants who have established a strong credit history are more likely to meet the approval criteria for this card.

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