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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
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Capital One Spark Cash Select for Excellent Credit
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3.5
$750
$0
18.49% - 24.49% (Variable)
Capital One Spark Cash Select for Excellent Credit
The Capital One Spark Cash Select card is a great no-annual-fee business credit card that earns 1.5% cash-back on all purchases.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3.5
If you’re looking for a cash-back business card with no annual fee, Capital One Spark Cash Select card offers 1.5% cash back on every purchase.
Card Snapshot
Welcome Bonus & Info
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 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
5% cash-back on hotels and rental cars booked through Capital One Travel
No annual fee
No-additional-cost employee cards
Travel and emergency assistance
Roadside assistance
Extended warranty coverage
Cons
Lack of bonus categories
Great Card If
You prefer not to bother with bonus categories
You want a card that offers a strong cash-back rate on all purchases
You want a card with no annual fee
Don’t Get If
You prefer a card that earns flexible rewards
You want a card that offers bonus categories for the items you spend the most on
Capital One Spark Cash Select Card — Is It Worth It?
If you’re a business owner looking for a card that earns cash-back rewards on every purchase without an annual fee, the Capital One Spark Cash Select card could be a worthwhile option for you.
In addition to its uncapped 1.5% cash-back on all purchases, you’ll also receive 5% back on hotels and rental cars purchased through Capital One Travel, no-additional-fee employee cards, roadside assistance, and extended warranty coverage.
Card Protections
Extended Warranty Coverage: Extend the factory warranties of eligible items purchased with your card
Roadside Assistance: Take advantage of 24-hour toll-free dispatch to help with services like towing, fuel delivery, and more
Best Ways To Earn and Redeem Cash-back Rewards
If you want to earn as much cash-back as possible, you’ll want to use this card for every purchase you can since your 1.5% cash-back is uncapped. Even better, hotels and rental cars you book through Capital One Travel earn a compelling 5% cash-back.
You can then have your cash-back rewards deposited into a linked bank account, or use it as a statement credit to offset business expenses you’ve made with your card.
Alternative Cards to the Capital One Spark Cash Select Card
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners. (Information collected independently. Not reviewed by Capital One.)
The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners. (Information collected independently. Not reviewed by Capital One.)
Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months.
$1,200
$150
N/A
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)
The Capital One Spark Cash Plus Card is great for business owners looking to improve their bottom line by earning 2% cash-back on all purchases without a high annual fee. Further, with no preset spending limit, the ability to get your $150 annual fee refunded every year you spend at least $150,000, and free employee cards, there is something that every business owner will love.
Pros
Unlimited 2% cash-back on all purchases
5% cash-back on hotels and rental cars purchased through Capital One Travel
No preset spending limit
Get your $150 annual fee refunded every year you spend at least $150,000
Complimentary employee cards
No foreign transaction fees
Extended warranty coverage
Payment flexibility (pick your own due date)
Cons
$150 annual fee
Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
Earn unlimited 2% cash back on every purchase, everywhere – with no limits or category restrictions
Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
Get your $150 annual fee refunded every year you spend at least $150,000 or more
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Add employee cards for free, and earn unlimited 2% cash back from their purchases
$150 annual fee
Spark Cash Plus has no APR because your balance is due in full every month
If you want to earn even more cash-back rewards on all of your purchases, and you are alright with paying an annual fee, then you’ll want to consider the Capital One Spark Cash Plus card.
With it, you’ll earn an uncapped 2% cash-back on all purchases and 5% cash-back on hotels and rental cars purchased through Capital One Travel. This card has a $200 annual bonus when you spend $200,000 on the card in a calendar year.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash-back or $1,250 toward travel when redeemed through Chase Ultimate Rewards.
100,000 points
$2,000
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
Pros
3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
Cell phone protection
Purchase protection
Trip cancellation and interruption insurance
Rental car insurance
Extended warranty coverage
Cons
No elite travel benefits like airport lounge access
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
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.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
If you prefer to earn flexible rewards that are not limited to cash-back, then the Ink Business Preferred card is worth considering.
The Ink Business Preferred card earns 3x points on up to $150,000 in combined purchases on internet, cable, and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites.
Once you’ve earned those points, you can redeem them through the Chase travel portal with a 25% bonus, transfer them to one of the Chase transfer partners, or redeem for cash-back, gift cards, and more.
Plus the card offers perks including cell phone protection, purchase protection, trip cancellation insurance, and rental car insurance.
The information regarding the Capital One Spark Cash Select for Excellent Credit was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Frequently Asked Questions
What credit score do you need for the Capital One Spark Cash Select card?
There is no set score that will guarantee approval for the Capital One Spark Cash Select card. Generally speaking, if your credit score is a 670 or higher, you have reasonably good approval odds. However, credit card issuers take other factors into account, including your years of credit history, business income, and the amount of credit Capital One has already extended to you.
What is the credit limit for the Capital One Spark Cash Select card?
The credit limit that you will be approved for will largely depend on your credit score, business income, and the amount of credit that Capital One may have already extended to you. That said, the minimum credit limit you would receive if you are approved for the card is $2,000.
Is the Capital One Spark Cash Select card a Visa card or a Mastercard?
The Capital One Spark Cash Select card is a Visa card.
Does the Capital One Spark Cash Select card have an annual fee?
No, the Capital One Spark Cash Select card does not have an annual fee.
Which is better, the Capital One Spark Cash Select card or the Capital One Spark Cash Plus card?
The Capital One Spark Cash Plus card offers more as it earns an uncapped 2% cash-back compared to 1.5% cash-back on the Capital One Spark Cash Select card.
However, this doesn’t necessarily mean that it is the better option for you because the Capital One Spark Cash Plus card charges an annual fee, and the Capital One Spark Cash Select card has no annual fee.
If you have less than $30,000 of business expenses each year, then you’ll be better off with the Capital One Spark Cash Select card. Those who will spend more than $30,000 on their card should go for the Capital One Spark Cash Plus card.
Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
