Capital One Spark Cash Select for Excellent Credit card vs. Capital One Spark Cash Select for Good Credit
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.
See Capital One Spark Cash Select for Excellent Credit rates and fees.
Capital One Spark Cash Select for Excellent Credit card vs. Ink Business Unlimited® Credit Card
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 $900 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
The Capital One Spark Classic for Business is a card for people with fair credit that comes with more modest rewards. It gives you 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 none.