Key facts
This card was temporarily discontinued in 2021 when Capital One introduced the Capital One Spark Cash Plus – a 2% cash back charge card (no preset spending limit) – and then this version of the Spark Cash, which earns 2% cash back with a $95 annual fee, was “reborn” in 2024.
There are no significant differences between the original Spark Cash and this “new” Spark Cash.
Annual Fee:
$95 $0 Introductory Annual Fee for the first year, then $95Min. Credit Score for Approval:
800-850 * ExcellentOngoing APR:
25.74% VariableBalance transfer fees
Balance transfers are not available on Spark CashForeign Transaction Fee:
0%This simple small business credit card offers 2x on all purchases with no annual fee, plus bonus multipliers on hotels and rental cars booked through Capital One Travel.
Note: Unlike the Spark Cash that existed from October 2019 until 2021, this new version of the Spark Cash will report to your personal credit file.
If that matters to you, note that the Spark Cash Plus and Venture X Business still do not.
Reward multipliers
This no-fee business card offers 2% on all purchases with no annual fee and is aimed at small business owners.
You’ll also earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Earns bonus points for spend in the following bonus categories:
5% cash back on hotels and rental cars booked through Capital One Travel; 1X miles per dollar otherwise.
Estimated Rewards Value: 5%
5% cash back on hotels and rental cars booked through Capital One Travel; 1X miles per dollar otherwise.
Estimated Rewards Value: 5%
Estimated Rewards Value: 2%
ALREADY HAVE THIS CARD?
Pair another card and boost your rewards
In some cases, adding cards from the same points system will increase your rewards by unlocking a higher point value based on the ability to transfer points to air or hotel partners. In other cases, the cards simply work together to earn more points with one bank or diversify your bonus category rewards across banks.
Key features
Unique Card Benefits
Transfer to Capital One Miles with Eligible Cards
If you also have a Capital One Spark Miles for Business, or a personal Capital One Venture X Rewards Credit Card, Capital One Venture Rewards Credit Card, or Capital One VentureOne Rewards Credit Card, you can transfer the cash earned on the Spark Cash Select to those cards where they will become Capital One Miles, transferable to a range of air and hotel transfer partners.
Extended Warranty
The extended warranty policy offered on the Capital One Spark Cash card will add 1 extra year to the original manufacturer’s warranty for warranties of 3 years or less. The maximum coverage amount per item is $10,000 and $50,000 per year.
Roadside Assistance
When you have auto-related emergencies, such as needing jump-starting, tire changing or towing, this service will have it arranged for you. Additional fees apply for the services.
No Foreign Transaction Fees
You’ll never be charged foreign transaction fees when you make purchases in a foreign currency with the Capital One Spark Cash (or any Capital One card).
No Fees for Authorized Users
Order free employee cards. You can get your employees their own Capital One Spark Cash cards plus track and limit their spend with ease – all at no additional fee.
Earn more rewards by combining credit cards
Pros & cons
- Low annual fee with 2% Cash Back
- No foreign transaction fees
- High Early Spend Bonus (Welcome Bonus Offer)
- Lacks a complete set of features and benefits that most annual fee cards have
- Capital One does a hard pull with all 3 credit bureaus when you apply
- Reports to your personal credit file
Our review
The Spark Cash credit card is ideal for small business owners that want a 2% cash back card with no annual fee and no foreign transaction fees.
It’s a very simple card. You won’t find transferable points nor a rich suite of card benefits here, but that’s the tradeoff to avoid any sort of annual fee. You still get free employee cards.
Small business owners earn 2% cash back on all eligible purchases, and 5% when you book hotels and rental cars through the Capital One Travel Portal.
If you also have a Capital One credit card that earns Capital One miles like a Capital One Spark Miles for Business card, or a personal Venture X, Venture, or VentureOne credit card, you can transfer your cash from the Capital One Spark Cash Select to those cards, making them Capital One Miles – transferable to airline and hotel partners. $10 = 1,000 Miles.
Unlike the Spark Cash Plus, the Spark Cash will report to your personal credit profile.
The primary other difference between this Spark Cash card, with a $95 annual fee, and the Spark Cash Plus, with a $150 annual fee, is that the Spark Cash Plus is a charge card with no preset spending limit. For higher spend businesses, the Spark Cash Plus will be a better choice, but this card will work just fine for a business that doesn’t spend enough to justify the additional $55 annual fee in exchange for the no preset spending limit (which is still not unlimited, but rather set based on your spend history).
Frequently asked questions
Does the Capital One Spark Cash have an annual fee?
No, the Capital One Spark Cash has no annual fee.
Does the Capital One Spark Cash get you into airport lounges?
No, the Capital One Spark Cash does not come with any sort of lounge access like Priority Pass.
Is it hard to get the Capital One Spark Cash?
Not really, as long as you have a good personal credit score.
Is it worth getting the Capital One Spark Cash?
It’s a solid 2% business credit card with a low annual fee!
How do I earn cash back with the the Capital One Spark Cash?
You’ll earn 2% on all eligible purchases plus 5% on car rentals and hotels booked via Capital One’s Travel Portal.
Is there a better credit card than the the Capital One Spark Cash?
The American Express Blue Business Cash™ also has no annual fee and gives 2% cash back.
However, it is capped at $50,000 per year in spend and does charge foreign transaction fees.
Does the Capital One Spark Cash charge foreign transaction fees?
No, like all Capital One cards, the Capital One Spark Cash does not charge foreign transaction fees when traveling abroad.
Does the Capital One Spark Cash have car rental coverage?
No, it does not have car rental CDW.
Does the Capital One Spark Cash come with any Elite Status?
No, it does not.
Does the Capital One Spark Cash offer extended warranty?
Yes, the Capital One Spark Cash does offer an Extended Warranty.
Does the Capital One Spark Cash offer purchase protection?
No, the Capital One Spark Cash does not offer purchase protection; only Extended Warranty.
Does the Capital One Spark Cash offer trip protections?
No, the Capital One Spark Cash has no travel protections like trip delay / cancellation. Consider another card in our Card Explorer if you want those coverages.
What credit score do I need to get a Capital One Spark Cash?
At least a 740 or better.
What can I do with the points earned for spending on the Capital One Spark Cash?
You earn cash back, not points.
If you have a separate credit card that earns Capital One Miles, like the Capital One Spark Miles for Business card, or a personal Venture X, Venture, or VentureOne credit card, you can transfer your cash from the Capital One Spark Cash Select to those cards, making them Capital One Miles – transferable to airline and hotel partners.
$10 = 1,000 Miles.
Does the Capital One Spark Cash have Cell Phone Protection?
No, it does not. Here is a list of credit cards with Cell Phone Protection.
Does the Capital One Spark Cash charge for employee cards?
No, you can order as many free employee cards as you need.
Does the Spark Cash report to personal credit bureaus?
Yes, unlike the Spark Cash Plus and Venture X Business, this card is reported to report to personal credit bureaus.
See all business credit cards that do not report to personal credit bureaus.