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Capital One Spark Cash Select – Full Review [2023]

Name: Capital One Spark Cash Select – Full Review [2023]
Item: Capital One Spark Cash Select
Rating: 3.5
Author: Jarrod West

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"Earn 1.5% cash-back on every purchases; all without an annual fee."

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.

Learn More (at Capital One's secure site)

Jarrod West

- Updated: May 20, 2023, 2:49am CDT

If you’re looking for an uncomplicated cash-back business card, the Capital One Spark Cash Select card might be the perfect option with its uncapped 1.5% cash-back on all purchases without an annual fee.

Pros

Unlimited 1.5% cash back on every purchase
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

Capital One Spark Cash Select Card — Snapshot

Welcome Bonus & Info (Partner Content)
Card Categories:
Related Articles
- Best Capital One Business Credit Cards
- 10 Best Ways To Earn Lots of Capital One Cash-back Rewards

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 — Fees

Annual Fee
- $0
Interest Rates
- 17.99% - 23.99% Variable
Balance Transfers
- 17.99% - 23.99% Variable
Cash Advance APR
- 31.74% Variable
- Fee: 3% of the amount of the cash advance, but not less than $3.

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.

Capital One Spark Cash Select Card Top Benefits

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

Capital One Spark Cash Plus Card

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.

Ink Business Preferred® Credit Card

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.

Featured Image Credit: Capital One

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.

About Jarrod West

Jarrod has been writing about the ins and outs of credit cards and loyalty programs, along with airlines and hotels, for over 6 years. He is regularly called upon to share his expertise on the latest news within the space, and has been featured in publications such as The New York Times, RetailMeNot, and Yahoo! Finance. Jarrod has over 20 credit cards in his wallet and has tested out dozens more in order to vet the very best card options for readers. As he is constantly sampling new cards, Jarrod also earns (and redeems) over 1 million points and miles each year. This allows him to book luxury travel experiences the world over, and save tens of thousands of dollars in the process.

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