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Capital One Spark Cash Select Credit Card Review
February 6, 2025
What Is the Capital One Spark Cash Select?
The Capital One Spark Cash Select is a business credit card designed for entrepreneurs and small business owners who want to earn rewards on their everyday business spending. This no-annual-fee card offers a straightforward 1.5% cash back on all purchases, making it an attractive option for businesses with varied spending patterns. With features like no foreign transaction fees and virtual credit card capabilities, it's positioned as a versatile tool for modern business needs.
Capital One Spark Cash Select Pros & Cons
Pros:
- Earn unlimited 1.5% flat-rate cash back on all purchases
- Welcome bonus of $500 after spending $4,500 in the first 3 months
- No annual fee or foreign transaction fees
- 0% intro APR period on purchases for the first 12 months
- Free employee cards with customizable spending limits
- Comprehensive travel benefits including roadside assistance
- Virtual credit card numbers for secure online purchases
Cons:
- Requires good to excellent credit (FICO score of 670 or higher)
- Higher reward rates available on other business cards
- No bonus categories for increased earnings
- Travel rewards limited compared to premium business cards
Who Is the Capital One Spark Cash Select For?
The Capital One Spark Cash Select is ideal for small business owners who:
- Prefer simple, flat-rate rewards without tracking bonus categories
- Make frequent international purchases and want to avoid foreign transaction fees
- Need to provide employee cards with customizable spending limits
- Want basic but valuable business tools like year-end purchase reports
- Have good to excellent personal credit but don't want to pay an annual fee
Comparing the Capital One Spark Cash Select With Other Credit Cards
When considering the Capital One Spark Cash Select, it's helpful to compare it with other popular options in the business credit card category:
Capital One Venture X Business (rates & fees):
- Annual fee: $395
- Sign-up bonus: Substantial miles bonus after meeting spending requirements
- Key rewards: 10X miles on hotels and rental cars, and 5X on flights and vacation rentals booked through Capital One Travel
- Standout feature: 10,000 bonus miles each account anniversary
Ink Business Preferred® Credit Card:
- Annual fee: $95
- Sign-up bonus: Large points bonus after meeting spending requirements
- Key rewards: 3X points on travel, shipping, internet, cable, phone services, and advertising purchases made with social media sites and search engines on the first $150,000 spent
- Standout feature: Cell phone protection when you pay your monthly cell phone bill with your card
The Business Platinum Card® from American Express (rates & fees):
- Annual fee: $695
- Welcome offer: Substantial points bonus after meeting spending requirements
- Key rewards: 5X points on flights and prepaid hotels booked through Amex Travel, 1.5X points on eligible purchases of $5,000 or more, up to $2 million per calendar year
- Standout feature: Access to over 1,400 airport lounges worldwide, access is limited to eligible Card Members
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- Capital One Spark Cash Select excels in helping entrepreneurs and small business owners earn rewards on their everyday business spending
- Capital One Venture X Business offers high travel reward
- Ink Business Preferred® provides strong points on business-related categories
- The Business Platinum Card® from American Express features premium travel perks
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Consider Using Kudos
To maximize your rewards with the Capital One Spark Cash Select or any other credit card, consider downloading Kudos, a free AI-powered browser extension. Kudos automatically recommends the best card to use for each purchase, helping you earn optimal rewards across more than 15,000 stores. Currently, new users can get $20 back after their first eligible purchase by signing up with code "GET20" and making a purchase at a Boost merchant.
Our Expert Takeaway
The Capital One Spark Cash Select stands out as a solid no-annual-fee business credit card that offers straightforward rewards and valuable business features. While its 1.5% flat-rate cash back isn't the highest in the market, the combination of no foreign transaction fees, virtual credit cards, and comprehensive travel benefits makes it a worthwhile consideration for small business owners who want a simple rewards structure without additional costs.
Capital One Spark Cash Select FAQ
What credit score do I need for the Capital One Spark Cash Select?
You typically need a good to excellent credit score (670 or higher) to qualify for this card.
Can I get employee cards at no additional cost?
Yes, you can request free employee cards and set individual spending limits for each card.
How does the roadside assistance benefit work?
The card provides 24/7 roadside assistance for auto-related emergencies, though service fees apply.
Are there foreign transaction fees?
No, the card has no foreign transaction fees, making it ideal for international business purchases.
What purchase protections are included?
The card offers extended warranty protection, $0 fraud liability, and purchase security for eligible items.
How can I redeem my cash back rewards?
You can redeem rewards for statement credits, checks, or gift cards at any time, with no minimum redemption requirement.
Does the card offer rental car insurance?
Yes, the card provides auto rental collision damage waiver coverage when you rent a vehicle for business purposes.
Supercharge Your Credit Cards
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
