Capital One Spark Cash Select

Mastercard Rewards No Annual Fee No Foreign Fees Gas Dining Business

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Credit Score

720 850

Excellent

Apply Now On Capital One®'s secure website Terms apply. Approval is not guaranteed.

Intro Offer

Earn $750 Cash Back

once you spend $6,000 on purchases within the first 3 months from account opening

Annual Fee

Rewards Rate

1.5% Cash Back on every purchase

Foreign Fee

Purchase APR

N/A

Balance Transfer APR

N/A

Regular APR

16.74% - 22.74% (Variable)

Rates & fees apply. View the Rates & Fees.

Editor's Take

CardCompareHub editorial

Editorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by Capital One®.

Spark Cash Select earns a flat cash-back rate on every business purchase, no annual fee, free employee cards earning the same rate, no foreign transaction fees, and a welcome bonus that's among the largest no-fee business card bonuses we track.

The card competes with the Business Advantage Unlimited Cash Rewards from BoA (same flat rate with bigger Preferred Rewards boost if you bank with BoA) and the Blue Business Cash from Amex (a higher rate up to a cap, then drops). For a business spending below the Blue Business Cash cap, that card earns more per dollar. For higher-spending businesses where the cap matters, Spark Cash Select's unlimited rate wins on volume.

Card Details

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 Business 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
Top rated mobile app

Also in: Top Credit Cards 2026 Gas Rewards

Capital One Spark Cash Select

Ready to apply? Visit the issuer's secure site.

Apply Now On Capital One®'s secure website Terms apply. Approval is not guaranteed.

Rates & fees apply. See issuer's website for full terms and conditions.