Capital One Spark Cash Select Credit Card Review [2025]: A Simple Rewards Program That Pays Off

Capital One Spark Cash Select card basics

	Capital One Spark Cash Select(Rates and fees)
Card type	Business
Card issuer	Capital One
Annual fee	$0
Rewards rate	Unlimited 1.5% cash back for your business on every purchase, everywhere; plus unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
Intro APR	None
Welcome offer	Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
Recommended credit score	Excellent
Foreign transaction fee	None

Who should get the Capital One Spark Cash Select?

Are you hoping to avoid paying an annual fee for a bunch of cardholder perks you probably won't use? Or do you want an effortless credit card rewards program you don't have to think about? Do you want to get added protection for every purchase you make?

If you answered yes to any of these questions, consider applying for the Capital One Spark Cash Select.

You can also get free cards for your staff to earn rewards faster and redeem your cash back anytime you want with no limits or expiration dates for the life of the account.

And if all that wasn't enough, purchase protection ensures you can get eligible items repaired or replaced within 90 days of buying if something goes wrong — and eligible items purchased with your card will have the manufacturer's warranty doubled.¹ <p class="">For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.<br></p>

To get all these features, however, you'll need to make sure you're creditworthy, as this isn't a business credit card for people with no credit.

Spark Cash Select card benefits

• Decent early spend bonus: If you choose the Capital One Spark Cash Select(Rates and fees), then you can earn a $750 bonus when you spend $6,000 in the first 3 months of account opening. Though not the highest bonus on the market, it's a nice perk that should be relatively easy for most business owners to earn.
• Easy-to-follow rewards structure: Get a straightforward unlimited 1.5% cash back for your business on every purchase, everywhere; plus unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site with both versions of the card. There are no limits and no rotating bonus categories to worry about.
• No annual fee: Unlike many other business cards, there's no annual fee for becoming a card holder with either version of this card.
• Free employee cards: Whichever one of these two business cards you choose, you can get credit cards for every member of your staff and earn rewards from all the purchases they make.

Earning and redeeming

One of the best things about the Capital One Spark Cash Select(Rates and fees) is that the rewards program is incredibly simple. So you don't have to think about strategizing at all to get the most bang for your buck from this card.

Best ways to earn

Capital One's Spark Cash Select card simply provides 1.5% cash back on all purchases. There's limited opportunity to earn bonus rewards, but you also don't need to worry about activating bonus categories.

To maximize the rewards you earn, simply use your card for as many business purchases as you can. And don't forget to take advantage of the option to get free cards for all your employees so they can charge their purchases and help you earn rewards faster. Also when booking hotels or rental cars, use this card to book through Capital One's travel booking site and earn 5% cash back.

Maximizing your redemptions

Redeeming your rewards is also very simple with Capital One's Spark Cash Select card. You can access the cash back you earn as a statement credit or a check. You can redeem any time you want with no minimums, so you can put cash back right into your business.

Capital One also allows you to redeem for credits for previous purchases or gift cards. But since you don't get any extra value for your cash back by taking advantage of these options, it's usually simpler to just get a check or statement credit.

Other cards to consider

Not sure that the Capital One Spark Cash Select(Rates and fees) is right for you? There are a few other business cards to consider:

Capital One Spark Cash Plus

The Capital One Spark Cash Plus(Rates and fees) offers similar features to the Spark Cash Select cards, but it differs from these cards in that it offers greater cash back potential on all of your spending. This card charges a $150 annual fee after the first year, and it offers unlimited 2% cash back on every purchase, every day; plus unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site. That means that instead of elevated rates on bonus categories, like Capital One Travel bookings, it offers an elevated base rate on everything.

The card also offers everyday spending protections, like the Capital One Spark Cash Select(Rates and fees), including purchase security and extended manufacturer warranties.¹ <p class="">For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.<br></p> Consider this one over the Capital One Spark Cash Select cards if you'd benefit more from a higher base cash back rate than bonus rates on a portion of your spending.

Check out our full Capital One Spark Cash Plus review.

Unlimited 2% Cash Back

Capital One Spark Cash Plus

4.4

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Capital One Spark Cash Plus

Apply Now

Rates and fees

Current Offer

Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months

Annual Fee

$150

Rewards Rate

Unlimited 2% cash back on every purchase, every day; plus unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site

Benefits and Drawbacks

Benefits

• No cap on rewards
• Bonus rewards on travel booked through Capital One

Drawbacks

• High minimum spend requirement for the welcome offer
• You must pay your balance in full monthly

Card Details

• Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
• Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
• Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
• Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
• Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
• Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
• $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
• Spark Cash Plus has no APR because your balance is due in full every month
• For businesses that need large spending capacity and want to maximize cash back

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited^® Credit Card(Rates and fees) is also similar to the Capital One Spark Cash Select(Rates and fees). It charges a $0 annual fee, and it earns unlimited 2% cash back on every purchase, every day; plus unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site. You also get a 0% intro APR period for 12 months (then 16.99% - 24.99% Variable APR) on the Ink Business Unlimited — just as long as the one offered by Capital One.

The new cardmember welcome bonus is similar, as you can earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Overall, you might prefer this Chase Ink Business card over Capital One if you're partial to the Chase Ultimate Rewards portal and wouldn't use Capital One Travel to book hotels and flights anyway.

Check out our full Ink Business Unlimited^® Credit Card review.

Unlimited Cash Back

Ink Business Unlimited^® Credit Card

4.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Ink Business Unlimited^® Credit Card

Apply Now

Rates and fees

Current Offer

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

Annual Fee

$0

Rewards Rate

Unlimited 1.5% cash back on every purchase

Benefits and Drawbacks

Benefits

• $0 annual fee
• Elevated flat-rate rewards structure
• Generous welcome offer
• Intro APR offer on purchases
• Employee cards at no additional cost

Drawbacks

• No bonus rewards for specific categories
• Foreign transaction fee of 3% of each transaction in U.S. dollars
• Limited travel perks

Card Details

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Earn 5% total cash back on Lyft rides through 9/30/27.
• Member FDIC

FAQs

Flat 1.5% cash back & no annual fee

Capital One Spark Cash Select

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Capital One Spark Cash Select

Apply Now

Rates and fees

Current Offer

Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening

Annual Fee

$0

Rewards Rate

Unlimited 1.5% cash back for your business on every purchase, everywhere; plus unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site

Benefits and Drawbacks

Benefits

• No limit on cash back earning
• Free employee cards
• $0 annual fee
• None foreign transaction fee

Drawbacks

• No intro APR offer for balance transfers
• At least good credit recommended to apply

Card Details

• 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's travel booking site
• 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