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Capital One Spark Cash Select review: The upgraded sign-up bonus makes this card worth it

 /  11 min
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Snapshot

4.1

Bankrate rating
Rating: 4.1 stars out of 5

Bottom line

This card could be an excellent choice if you value simplicity and want to avoid annual fees, but a card that earns more cash back in specific business spending categories may be more rewarding.

Best business card with no annual fee

Recommended credit score:(740 - 850)
Apply nowLock

on Capital One's secure site

See Rates & Fees

Intro offer

Earn $500 cash back

Rewards Rate

1.5% - 5%

Annual fee

$0

Regular APR

17.49% - 23.49% (Variable)

4.1

Bankrate score

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Rewards value

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3.3 / 5

APR

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3.0 / 5

Rewards flexibility

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4.0 / 5

Features

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4.0 / 5
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Capital One Spark Cash Select Overview

  • Credit Card Cash Back Icon

    Rewards

  • Rewards Icon

    Welcome offer

  • Credit Card Search Icon

    Rates and fees

  • Congrats Icon

    Other cardholder perks

Capital One Spark Cash Select pros and cons

Pros

  • Checkmark Icon

    This card has no annual fee and no foreign transaction fees, which is a great perk for small business owners and employees who need to travel internationally.

  • Checkmark Icon

    If you can meet the spending requirement easily, you can enjoy a generous welcome offer.

  • Checkmark Icon

    Free employee cards also earn this card's flat-rate rewards, increasing your earnings potential.

Cons

  • Other business cards offer more cash back rewards in bonus categories that could boost your rewards earnings from business expenses.

  • This card doesn’t have an intro APR period, a disadvantage for business owners who want time to pay down debt without accruing interest.

  • You won't be able to transfer rewards to other loyalty programs, resulting in limited redemption flexibility.

Why you might want the Capital One Spark Cash Select

Why you might not want the Capital One Spark Cash Select

How the Capital One Spark Cash Select compares to other business cards

Image of Capital One Spark Cash Select

Annual fee

$0

Intro offer

Earn $500 cash back

Rewards rate

1.5% - 5%

Recommended Credit Score

Excellent (740 – 850)
Image of Ink Business Unlimited® Credit Card
Bankrate Score
Apply now Lock Icon
on Chase's secure site

Annual fee

$0

Intro offer

Earn $750 bonus cash back

Rewards rate

1.5%

Recommended Credit Score

Good to Excellent (670 – 850)
Image of The American Express Blue Business Cash™ Card
Bankrate Score
See Rates & Fees , Terms Apply
Apply now Lock Icon
on American Express's secure site

Annual fee

No annual fee

Intro offer

$250 statement credit

Rewards rate

1% - 2%

Recommended Credit Score

Good to Excellent (670 – 850)

Best cards to pair with the Capital One Spark Cash

Who is the Capital One Spark Cash Select right for?

Bankrate’s Take — Is the Capital One Spark Cash Select worth it?

How we rated this card

Document Icon
100+
card ratings
Credit Card Apr Icon
400+
APRs tracked
Search Icon
3000
data points analyzed
Credit Card Reviews Icon
40+
perks evaluated

Frequently asked questions

Written by
Garrett Yarbrough
Writer, Credit cards
Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers.
Edited by Editor, Credit Cards

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.