How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Capital One Spark Cash Select for Excellent Credit Review

LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
4.6
Capital One Spark Cash Select for Excellent Credit
Rewards Rate
1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel
Sign-Up Bonus
$750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening
APR
18.49% - 24.49% (Variable) on purchases and balance transfers
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Our take: With a $0 annual fee and cash back rewards on every purchase, the Capital One Spark Cash Select for Excellent Credit is a solid business credit card if you have the credit to qualify.

Is the Capital One Spark Cash Select for Excellent Credit a good card?

With a $0 annual fee, 1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel, the Capital One Spark Cash Select for Excellent Credit is a solid, low-cost card. The card’s generous welcome offer sweetens the deal. You can earn $750 cash back once you spend $6,000 on purchases within the first 3 months from account opening.

Keep in mind that this card is geared towards consumers with excellent credit. If your credit score falls within this category, know that you can find top-tier cards that offer better rewards and benefits than this card.

Quick facts

    • 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
    • $0 Fraud Liability for unauthorized charges
    • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • 720 850
    Excellent
  • Free employee cards
  • Year-end spending summary
  • Downloadable purchase records
  • Roadside assistance
  • Extended warranty

Intro Purchase APR

N/A

Regular Purchase APR

18.49% - 24.49% (Variable)

Intro BT APR

N/A

Regular BT APR

18.49% - 24.49% (Variable)

Annual Fee

$0

Cash Advance Fee

5% of the amount of the cash advance, but not less than $5

Foreign Transaction Fee

None

Balance Transfer Fee

$0 at the Transfer APR

*To see rates & fees for Capital One Spark Cash Select for Excellent Credit, please click here.

Pros and cons

  • Earn sign-up bonus
  • Earn unlimited cash back
  • $0 annual fee
  • Foreign transaction fee: None
  • Free employee cards
  • Low earnings rate on rewards
  • Geared towards consumers with excellent credit
  • No elevated rewards on office expenditures

What we like about the Capital One Spark Cash Select for Excellent Credit

  • No annual fee

    When you have a small business, every penny counts, and you won’t be putting a single one toward the Capital One Spark Cash Select for Excellent Credit because it has a $0 annual fee. This means that all of your cash back earnings are truly that — cash back in your bank account.

  • Sign-up bonus

    With the Capital One Spark Cash Select for Excellent Credit, you can earn $750 cash back once you spend $6,000 on purchases within the first 3 months from account opening.

    This isn’t the best bonus for a business credit card, but if you regularly spend over $1,500 a month on your business expenses, you can easily achieve it. If that amount is a stretch, consider buying office supplies or stocking up on materials that you know you will use, and have cash for so you can pay your balance in full to avoid paying interest.

  • Earn unlimited cash back

    This card keeps rewards simple with a flat-rate amount you’ll earn in either of two categories: 1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel.

    There are no rotating categories or spending caps. Additionally, there’s no limit to how much you can earn, and the rewards don’t expire as long as your account is open.

  • No foreign transaction fee

    If business takes you outside the United States, physically or with an online purchase, know that you won’t be hit with extra foreign transaction fees because there are none.

  • Free employee cards

    You can issue cards to employees at no extra cost. You can customize their spending limits and earn cash back on every purchase for your business.

What to look out for with the Capital One Spark Cash Select for Excellent Credit

  • It's possible to earn a higher cash back rate

    The rewards earning rate of 1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel isn’t bad and the simplicity is nice. However, you can earn higher rates on business cards with no annual fee.

    One example is the Ink Business Cash® Credit Card, which lets you earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

  • No elevated rewards on office expenditures

    While the flat-rate cash back is nice, if you spend a lot of money on office products or business travel this card may not be the best choice for you. Other cards like the Ink Business Cash® Credit Card offer higher cash back rates on certain categories like shipping purchases, cable and phone services, advertising, office supplies and travel.

    If you’re looking for a travel card that earns miles, consider the Capital One Spark Miles Select for Business instead.

  • excellent credit recommended

    The Capital One Spark Cash Select for Excellent Credit card was designed for consumers with excellent credit, which is a FICO score of over 800.

    For those with lower credit scores, the Capital One Spark Cash Select for Good Credit or the Capital One Spark Cash for Business might be worth looking into. Secured business credit cards are another option if you don’t think you’ll qualify for an unsecured credit card.

Alternative cards to the Capital One Spark Cash Select for Excellent Creditcard

Capital One Spark Cash Select for Excellent Credit card vs. Capital One Spark Cash Select for Good Credit

| Disclosures
Capital One Spark Cash Select for Good Credit
Capital One Spark Cash Select for Good Credit
apply-now-icon Apply Now
on Capital One's secure site
Rates & Fees
0% on purchases for 12 months
21.24% - 29.24% (Variable)
$0
1.5% Cash Back on every purchase; 5% Cash Back on hotels and
  • 0% Intro APR for the first 12 months; 21.24% - 29.24% variable APR after that
  • 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
  • $0 Fraud Liability for unauthorized charges
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
660 720
Good

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Similar to the Capital One Spark Cash Select for Excellent Credit, the Capital One Spark Cash Select for Good Credit has a $0 annual fee, and free employee cards. Most of the features are identical including the foreign transaction fee — there is none.

While there’s no sign-up bonus, it comes with an intro APR of 0% on purchases for 12 months, after which a 21.24% - 29.24% (Variable) APR applies.

This is a good alternative card if you like the Capital One Spark Cash Select for Excellent Credit but don’t qualify due to having a lower credit score.

*To see rates & fees for Capital One Spark Cash Select for Excellent Credit, please click here.
*To see rates & fees for Capital One Spark Cash Select for Good Credit, please click here.

Capital One Spark Cash Select for Excellent Credit card vs. Ink Business Unlimited® Credit Card

| Disclosures
Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card
apply-now-icon Apply Now
on Chase's secure site
0% Intro APR on Purchases for 12 months
18.49% - 24.49% Variable
$0
Earn unlimited 1.5% cash back on every purchase made for your business
  • 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
  • Member FDIC
660 720 850
Good/Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Business owners looking to earn cash back with a $0 annual fee, the Ink Business Unlimited® Credit Card is worth considering. Like the Capital One Spark Cash Select for Excellent Credit, it lets you earn unlimited 1.5% cash back on every purchase made for your business.

The sign-up bonus is even more generous: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. However, note that the spending requirement is also higher. You’ll need to spend $2,500 per month to meet the target. Smaller businesses might find this challenging.

It’s also a good choice if you want to finance a new purchase. It comes with a 0% Intro APR on Purchases for 12 months. After, a 18.49% - 24.49% variable APR applies.

The main downside is that there’s a foreign transaction fee of 3% of each transaction in U.S. dollars. Leave this card at home, or choose another one, if you travel abroad or buy inventory or supplies from overseas companies.

Capital One Spark Cash Select for Excellent Credit card vs. Capital One Spark Classic for Business

| Disclosures
Capital One Spark Classic for Business*
Capital One Spark Classic for Business
Learn More
on Capital One's secure site
N/A
29.99% (Variable)
$0
Earn unlimited 1% cash back for your business on every purchase, everywhere,
  • Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • No annual fee
  • Build and strengthen credit for your business by using this credit card responsibly
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 1% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
600 660
Fair
*The information related to the Capital One Spark Classic for Business has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

The Capital One Spark Classic for Business is a card for people with fair credit that comes with more modest rewards. It gives you earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions. plus, earn unlimited 5% cash back on hotels and rental cars booked through capital one travel.. It lacks a sign-up bonus, which is common for cards that are designed for lower credit scores.

Through good use of your card plus the free employee cards, there’s potential to improve your credit score so that in the future you are qualified for better offers. Plus, it’s a good choice for making purchases outside the U.S. When it comes to foreign transaction fees, there are $0.

Is the Capital One Spark Cash Select for Excellent Credit Card right for you?

The Capital One Spark Cash Select for Excellent Credit card is a solid choice for businesses that want a cash back credit card without the hassle of categories or spending caps. It’s even better if your typical spending is high enough to meet the spending requirement to earn the sign-up bonus. The $0 annual fee helps keep your expenses low while the free employee cards ensure you get cash back on every business purchase.

Since the Capital One Spark Cash Select for Excellent Credit and Capital One Spark Cash Select for Good Credit offer different types of sign-up bonuses, you need to consider which you qualify for. Check your credit score and then whether or not another card is better. And if your credit score is in the fair range, consider the Capital One Spark Classic for Business for your business spending.

apply-now-icon Apply Now
on Capital One's secure site
Rates & Fees

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information related to the Capital One Spark Miles Select for Business and the Capital One Spark Classic for Business has been independently collected by LendingTree and has not been reviewed or provided by the issuer of these cards prior to publication.