Capital One Spark Cash Select

Earning Rates

Key Benefits

All Benefits

• Product identity: this slug `capital-one-spark-cash` corresponds to Capital One's `Spark Cash` (the 2% unlimited cash-back business credit card), NOT the lower-tier `Spark Cash Select` (1.5% cash back) and NOT the higher-tier `Spark Cash Plus` charge card — Capital One's current small-business lineup, surfaced on the Spark Cash issuer page, is `Spark 2% Cash` / `Spark 2% Cash Plus` / `Spark 1.5% Cash Select` / `Spark 1% Classic`. The user-supplied brief labelled this card 'Spark Cash Select' — that label conflicts with both the slug and the page actually fetched; the rest of this file documents Spark Cash (2%) as the canonical product for this slug
• Annual fee: $0 intro annual fee for the first year, then $95 thereafter (issuer page 'Card Details' module, confirmed by the explicit copy 'Enjoy a $0 annual fee for the first year, and then $95 after that')
• Welcome offer per the live 2026-05-23 issuer page: earn a $1,000 cash bonus when you spend $10,000 in the first 3 months from account opening — this is the current public offer. The user-supplied brief asked to verify a $750 cash bonus at $6,000 / 3 months; the live issuer page does NOT match that — the public offer is $1,000 / $10,000 / 3 months. Use the issuer-page numbers as the source of truth and treat the brief's $750 / $6K as outdated or targeted
• Welcome offer may not be available to existing or previous Capital One Business card holders, and may not be available if you navigate away from or close the application page (issuer page footnote 1)
• Earn unlimited 2% cash back for your business on every purchase, everywhere, with no limits, no caps, and no category restrictions (issuer page 'Unlimited rewards' module — 'Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions')
• Earn unlimited 5% cash back on hotels booked through Capital One Business Travel (issuer page 'Travel rewards' module)
• Earn unlimited 5% cash back on rental cars booked through Capital One Business Travel (issuer page 'Travel rewards' module)
• Rewards and benefits may vary between Capital One Travel and Capital One Business Travel — the 5% category specifically requires booking on Capital One Business Travel, per issuer page footnote 2
• Cash back redeems 1:1 with no transfer-partner uplift: Spark Cash earns straight cash back, not Capital One Miles, and rewards cannot be transferred to airline or hotel loyalty partners (transfer partners are a Venture / Venture X / Venture X Business benefit, not a Spark Cash benefit) — 1:1 cash valuation applies
• Cash back never expires for the life of the account and can be redeemed for any amount at any time with no minimum redemption threshold (standard Capital One Spark cash-back program terms; corroborated by OneMileAtATime's Capital One Spark Cash review)
• Redemption options: statement credit, check, or to cover a Capital One Travel booking, with no minimum (standard Capital One Spark cash-back program terms; corroborated by OneMileAtATime's Capital One Spark Cash review)
• Free employee cards for your team, with each employee card earning the same unlimited 2% cash back on every purchase (and 5% on Capital One Business Travel hotels and rental cars) back to the business owner's account (issuer page 'Business-Grade Capabilities' module)
• Free virtual cards in addition to physical employee cards, supporting online-only purchases and team spending controls (issuer page 'Business-Grade Capabilities' module)
• Vendor payments: Capital One markets that Spark Cash lets you 'pay your vendors with ease' alongside its employee/virtual card capabilities (issuer page 'Business-Grade Capabilities' module)
• Purchase APR: 24.49% variable APR on purchases (issuer page 'Card Details' / 'Rates & Fees Information' module, current as of 2026-05-23)
• No foreign transaction fees on purchases made outside the United States — a standard Capital One credit-card feature applied across the Spark line, corroborated by NerdWallet's and OneMileAtATime's Spark Cash coverage
• Network: Visa Signature Business (Capital One issues Spark Cash on Visa Signature Business). Visa Signature Business includes Visa's standard suite of card-network benefits — note that Capital One generally does not market network-side perks heavily on the issuer page, so the practical cardholder benefits emphasised by Capital One are the cash-back rewards plus Spark business tools rather than the Visa Signature feature list
• Auto Rental Collision Damage Waiver: per Capital One's Spark business benefits, the auto rental collision damage waiver coverage applies when you use your covered card to secure the rental and decline the rental company's CDW (issuer page footnote 4 references the Guide to Benefits for further details). Industry coverage (NerdWallet, OMAAT) describes Capital One Spark business auto rental coverage as secondary in the United States — the user-supplied brief asked to verify primary CDW; per current third-party reviews this is best treated as secondary, not primary, unless your specific Guide to Benefits states otherwise
• Card-secured benefits require you to use your covered Spark Cash card to pay for the transaction, with certain terms, conditions, and exclusions applying — refer to your Capital One Guide to Benefits for the specific list of covered benefits and dollar limits applicable to your card (issuer page footnote 4)
• Spark business cards include Capital One's standard fraud-coverage protections (zero liability for unauthorised charges) and card-lock controls through the Capital One mobile app — standard Capital One Spark feature set surfaced across the Capital One Business credit-card ecosystem
• Year-end summaries and itemized purchase reporting are standard Capital One Spark Business features that make tax preparation and expense management easier (Spark Business product family feature, surfaced across the Capital One Business Help Center)
• QuickBooks-compatible transaction download and integrations with common accounting tools are standard across the Capital One Spark Business line, simplifying bookkeeping for small businesses
• Pre-approval is available with no impact to your personal credit score via Capital One's 'See if I'm pre-approved' flow (Capital One's standard small-business credit-card pre-approval offering, surfaced on the Spark issuer ecosystem)
• Credit level required: Excellent (issuer page hero module — 'Credit Level: Excellent')
• Personal-guarantee structure: like other Capital One Spark business cards, Spark Cash applications are personally guaranteed by the business owner — Capital One Spark business cards generally report to personal credit only on default (not month-to-month utilisation), per OMAAT's Spark Cash review; this matters when balancing personal credit utilisation against business spend
• Cross-product eligibility caveat (Capital One Business charge-card limit): Capital One only allows one business charge card per primary cardholder (charge cards being Spark Cash Plus / Venture X Business), but Spark Cash is a credit card, not a charge card — Spark Cash does not trigger the single-charge-card-per-customer rule. This makes Spark Cash compatible with holding e.g. Venture X Business as your business charge card
• Not offered: airport lounge access — no Capital One Lounge or Capital One Landing access (lounge access is a Venture X / Venture X Business benefit, not a Spark Cash benefit)
• Not offered: Priority Pass Select membership (Priority Pass is a Venture X / Venture X Business benefit, not on Spark Cash)
• Not offered: Global Entry or TSA PreCheck application fee statement credit (this is a Venture / Venture X / Venture X Business benefit, not a Spark Cash benefit) — the user-supplied brief flagged this as a Not Offered bullet and that is confirmed
• Not offered: transferable points to airline and hotel partners — Spark Cash earns cash back only, with no path to Capital One Miles or to airline/hotel transfer partners (transfer partners are a Venture-family feature, not a Spark Cash feature). Cash-back valuation is fixed at 1:1
• Not offered: anniversary bonus or recurring annual cash bonus (no anniversary award analogous to the Venture X Business 10,000-mile anniversary bonus)
• Not offered: annual travel credit on Capital One Travel (the $300 Capital One Business Travel credit is a Venture X Business feature, not available on Spark Cash)
• Not offered: bonus categories beyond travel — Spark Cash does not earn elevated rates on dining, gas, office supplies, advertising, telecom, or shipping (those bonus categories are characteristic of Amex Business Gold or Chase Ink Business Cash/Preferred, not Capital One Spark Cash, whose value proposition is the flat 2% everywhere)
• Not offered: introductory 0% APR on purchases or balance transfers — Capital One's small-business Spark cards generally do not market a 0% intro APR; the only intro pricing on Spark Cash is the first-year $0 annual fee, not an APR teaser (issuer page lists a 24.49% variable purchase APR with no intro APR period)