Features

Who is Spark Cash Select From Capital One Designed For?

Spark Cash Select From Capital One is designed for business owners with excellent credit who want a simple to use no-nonsense cash card with no annual fee that still offers a signup bonus and travel and purchase benefits.

What Are the Rates for Spark Cash Select From Capital One?

There is an introductory 0% APR on purchases for the first 9 months. After that, purchase and balance transfer rates for the Spark Cash Select From Capital One business credit card range from 13.99% APR to 21.99% APR, depending among other things on creditworthiness and income. Cash advances have a 23.99% APR. The penalty rate for members who are late making payments is steep: 30.40% APR.

What Are the Fees for Spark Cash Select From Capital One?

Spark Cash Select From Capital One does not charge an annual fee or a balance transfer fee. The cash advance fee is 3% with a $10 minimum and late payments come with a $39 penalty fee. However, that is it, there are no foreign transaction, returned payment or over-the-credit-limit fees.

What Is Spark Cash Select From Capital One's Rewards Program Like?

Spark Cash Select From Capital One doesn't have the bells and whistles other reward programs offer. Its reward rate is nothing to write home about, 1.5% cash back, but it applies to all purchases and there aren't any categories, caps or requirements to worry about. Redeeming is also easy. There are no limits to how many points you can earn and you can redeem you cash at any time with no minimum amount.

What about Spark Cash Select From Capital One's Signup Bonus?

New users receive a $200 cash bonus when they spend $3,000 on their card during the first three months.

Does Spark Cash Select From Capital One Have Any Other Benefits?

Capital One's Spark Cash Select business card offers members auto rental insurance, purchase security and extended protection on purchases. It also includes travel and emergency assistance services, fraud coverage and free additional cards for employees.

How Is Spark Cash Select From Capital One Better Than Other Credit Cards?

Although Spark has a middle of the road rewards rate of 1.5%, this rate applies to all purchases, so members don't have to mess around with revolving categories or spending caps when earning or redeeming points. It includes a $200 signup bonus, for users who spend at least $3,000 within the first 90 days. Capital One's Spark Cash Select also provides prime benefits, such as car rental insurance, travel assistance and purchase protection. All without charging an annual fee.

  • Card Type
    • Cash Back
    • Rewards
  • Customer Type
    Business
  • Card Network
    Visa
  • Credit Score Range
    700 - 850
  • Minimum Age
    18
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $39
  • No Annual Fee
  • No Foreign Transaction Fee
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • Cashback
  • Balance Computation
    average daily balance
  • Penalty APR
    30.4%
  • Purchases APR
    13.99% - 21.99%
  • Balance Transfer APR
    13.99% - 21.99%
  • 0% Introductory APR
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There are definitely worse cards to have than this one. There are no annual fees and no limits on how much cash back you can earn, plus you don't have to worry about which category is up this month. If you have good credit you should go for it; if you have excellent credit you might do better with another card that has more generous rewards.


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