Last Updated: 03/13/2026
Capital One Spark Cash Select
Claimed
in Business Credit Cards from Capital One
Last Updated: 03/13/2026
SuperMoney User Recommendation Score +75
Strongly recommended8 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
17.24% - 23.24%(Verified 03/13/2026)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A(Verified 03/13/2026)
Annual Fee
$0
Credit Score Range
700 - 850
Number of Reviews
Capital One Spark Cash Select Review
This is a cashback card issued by Capital One. If you're wondering whether Capital One Spark Cash Select is the right card for you, read on.
Key Takeaways
- All information about this card has been collected independently. This card is no longer available through SuperMoney.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 9 months.
- $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 17.24% up to 23.24%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, purchase security, travel assistance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Capital One Spark Cash Select
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 17.24% up to 23.24% .
It also has a variable cash advance APR of 30.99%. Note that late payments are subject to an APR of 33.40% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
This business card does offer an introductory APR rate on new purchases of 0% for a period of 9 months.
| Purchase APR | 17.24% - 23.24% |
| Cash Advance APR | 30.99% |
| Penalty APR | 33.40% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $39 .
Does it charge a foreign transaction fee?
This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
| Fees | Amount |
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
| Late Payment Fee | up to $39 |
Does it offer a cash back or rewards program?
No, it does not offer a cash back rewards program. The rewards program allows you to earn cash with every purchase you make.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | $750 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
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| Rewards Type | Cash Back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bonus Offer | $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Message from Capital One Spark Cash Select
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed