Key facts
Annual Fee:
$0Min. Credit Score for Approval:
800-850 * ExcellentOngoing APR:
17.99%-23.99% VariableBalance transfer fees
$0 at the Transfer APRForeign Transaction Fee:
0%This simple small business credit card offers 1.5x on all purchases with no annual fee, plus bonus multipliers on hotels and rental cars booked through Capital One Travel.
Reward multipliers
This no-fee business card offers 1.5% 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: 1.5%
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 Select 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 Select (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 Select cards plus track and limit their spend with ease – all at no additional fee.
Earn more rewards by combining credit cards
Pros & cons
- No annual fee
- No foreign transaction fees
- Low minimum spend required to receive the Early Spend Bonus
- Only earns 1.5% where other cards earn 2% back
- 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
Our review
The Spark Cash Select credit card is ideal for small business owners that want a 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 1.5% cash back on all eligible purchases, plus 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 Select will report to your personal credit profile.
Frequently asked questions
Does the Capital One Spark Cash Select have an annual fee?
No, the Capital One Spark Cash Select has no annual fee.
Does the Capital One Spark Cash Select get you into airport lounges?
No, the Capital One Spark Cash Select does not come with any sort of lounge access like Priority Pass.
Is it hard to get the Capital One Spark Cash Select?
Not really, as long as you have a good personal credit score.
Is it worth getting the Capital One Spark Cash Select?
It’s a solid no-fee business credit card!
How do I earn cash back with the the Capital One Spark Cash Select?
You’ll earn 1.5% 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 Select?
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 Select charge foreign transaction fees?
No, like all Capital One cards, the Capital One Spark Cash Select does not charge foreign transaction fees when traveling abroad.
Does the Capital One Spark Cash Select have car rental coverage?
No, it does not have car rental CDW.
Does the Capital One Spark Cash Select come with any Elite Status?
No, it does not.
Does the Capital One Spark Cash Select offer extended warranty?
Yes, the Capital One Spark Cash Select does offer an Extended Warranty.
Does the Capital One Spark Cash Select offer purchase protection?
No, the Capital One Spark Cash Select does not offer purchase protection; only Extended Warranty.
Does the Capital One Spark Cash Select offer trip protections?
No, the Capital One Spark Cash Select 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 Select?
At least a 740 or better.
What can I do with the points earned for spending on the Capital One Spark Cash Select?
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 Select have Cell Phone Protection?
No, it does not.
Does the Capital One Spark Cash Select charge for employee cards?
No, you can order as many free employee cards as you need.