{"id":119211,"date":"2025-11-15T18:10:01","date_gmt":"2025-11-15T18:10:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=119211"},"modified":"2026-04-08T14:27:44","modified_gmt":"2026-04-08T14:27:44","slug":"spark-cash-select","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/cash-back\/spark-cash-select\/","title":{"rendered":"Capital One Spark Cash Select Review: No-Fuss Earnings With No Annual Fee"},"content":{"rendered":"<p>The <a data-ccid=\"3006153\" href=\"\/blog\/link\/CR-SparkCashSelectforBusiness\" rel=\"noopener nofollow sponsored\">Capital One Spark Cash Select<\/a> is a cash-back credit card that earns you unlimited 1.5% cash back on all purchases, with no restrictions, plus 5% cash back when booking hotels and rental cars through Capital One Travel.<\/p>\n<p>In addition to an excellent welcome offer &#8212; particularly for a card with no annual fee &#8212; this card offers a simple rewards structure, many travel benefits, and helpful features for business purchases, such as extended warranty protection and free employee cards.<\/p>\n<p>Let's take a look at the pros, cons of the <a data-ccid=\"3006153\" href=\"\/blog\/link\/CR-SparkCashSelectforBusiness\" rel=\"noopener nofollow sponsored\">Spark Cash Select<\/a> as well as other perks, to help you decide if this is the right card for your business.<\/p>\n<p><div class=\"qs-card\" data-id=\"3006153\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One Spark Cash Select<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/0a1a73c8-b137-4393-9ef9-2437b08b5b2b.png\" width=\"150\" alt=\"Capital One Spark Cash Select\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a data-ccid=\"3006153\" class=\"btn-use qs-how-apply\" title='Capital One Spark Cash Select' href=\"\/blog\/link\/CR-SparkCashSelectforBusiness\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One Spark Cash Select<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">A no-nonsense business rewards card earning 1.5% cashback on all business expenses with no annual fee.<\/div><div class=\"qs-tab-hl\"><ul><li>Earn $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening<\/li>\r\n \t<li>1.5% cashback on every purchase<\/li>\r\n         <li>5% cash back on hotels and rental cars booked through Capital One Business Travel<\/li>\r\n \t<li>No foreign transaction fees<\/li>\r\n \t<li>$0 annual fee<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>1.5% cashback on every purchase<\/li>\r\n<li>5% cash back on hotels and rental cars booked through Capital One Business Travel<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SparkCashSelect\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-138a544e81#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Capital_One_Spark_Cash_Select_Pros\">Capital One Spark Cash Select Pros<\/a><\/li><li><a href=\"#Capital_One_Spark_Cash_Select_Cons\">Capital One Spark Cash Select Cons<\/a><\/li><li><a href=\"#Capital_One_Spark_Cash_Select_Welcome_Offer\">Capital One Spark Cash Select Welcome Offer<\/a><\/li><li><a href=\"#Capital_One_Spark_Cash_Select_Benefits\">Capital One Spark Cash Select Benefits<\/a><ul><li><a href=\"#Access_to_the_Capital_One_Business_Travel_portal\">Access to the Capital One Business Travel portal<\/a><\/li><li><a href=\"#Virtual_card_numbers\">Virtual card numbers<\/a><\/li><li><a href=\"#Free_employee_cards\">Free employee cards<\/a><\/li><li><a href=\"#0_fraud_liability\">$0 fraud liability<\/a><\/li><li><a href=\"#Year-end_summaries\">Year-end summaries<\/a><\/li><li><a href=\"#Roadside_assistance\">Roadside assistance<\/a><\/li><li><a href=\"#Extended_warranty\">Extended warranty<\/a><\/li><li><a href=\"#No_foreign_transaction_fees\">No foreign transaction fees<\/a><\/li><\/ul><\/li><li><a href=\"#Capital_One_Spark_Cash_Select_Earning_Rates\">Capital One Spark Cash Select Earning Rates<\/a><\/li><li><a href=\"#Redeeming_Cash_Back_With_the_Capital_One_Spark_Cash_Select\">Redeeming Cash Back With the Capital One Spark Cash Select<\/a><ul><li><a href=\"#Gift_cards\">Gift cards<\/a><\/li><li><a href=\"#Statement_credit\">Statement credit<\/a><\/li><li><a href=\"#Paper_check\">Paper check<\/a><\/li><li><a href=\"#Capital_One_Business_Travel_portal\">Capital One Business Travel portal<\/a><\/li><\/ul><\/li><li><a href=\"#Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/a><\/li><li><a href=\"#Cards_That_Compete_With_the_Capital_One_Spark_Cash_Select\">Cards That Compete With the Capital One Spark Cash Select<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2 data-pm-slice=\"1 1 []\"><span id=\"Capital_One_Spark_Cash_Select_Pros\"><strong>Capital One Spark Cash Select <\/strong>Pros<\/span><\/h2>\n<ul>\n<li>Earn unlimited 1.5% cash back on purchases, with no limits or category restrictions<\/li>\n<li>Solid welcome bonus after meeting minimum spending requirements<\/li>\n<li>$0 annual fee<\/li>\n<\/ul>\n<h2 data-pm-slice=\"1 1 []\"><span id=\"Capital_One_Spark_Cash_Select_Cons\">Capital One Spark Cash Select Cons<\/span><\/h2>\n<ul>\n<li>High 16.74% - 22.74% (Variable) APR<\/li>\n<li>Rewards don't transfer to partners<\/li>\n<li>Requires an excellent credit score<\/li>\n<\/ul>\n<h2><span id=\"Capital_One_Spark_Cash_Select_Welcome_Offer\">Capital One Spark Cash Select Welcome Offer<\/span><\/h2>\n<p>New applicants for the <a data-ccid=\"3006153\" href=\"\/blog\/link\/CR-SparkCashSelectforBusiness\" rel=\"noopener nofollow sponsored\">Spark Cash Select<\/a> can earn $750 cash back once you spend $6,000 on purchases within the first 3 months from account opening.<\/p>\n<p>That's a solid bonus for a cashback card with no annual fee. However, this card's offer is often overshadowed by its Spark siblings:<\/p>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-capital-one\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/0a1a73c8-b137-4393-9ef9-2437b08b5b2b.png\" width=\"150\" alt=\"Capital One Spark Cash Select\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One Spark Cash Select<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening<\/div><\/div><div class=\"compare-apply\"><a data-ccid=\"3006153\" class=\"btn-use qs-how-apply\" title='Capital One Spark Cash Select' href=\"\/blog\/link\/CR-SparkCashSelectforBusiness\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--6\"><strong>Credit Score<\/strong><p>Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>1.5% cashback on every purchase<\/li>\r\n<li>5% cash back on hotels and rental cars booked through Capital One Business Travel<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/0a1a73c8-b137-4393-9ef9-2437b08b5b2b.png\" width=\"150\" alt=\"Capital One Spark Cash\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One Spark Cash<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn $1,000 Cash Back once you spend $10,000 in the first 3 months from account opening<\/div><\/div><div class=\"compare-apply\"><a data-ccid=\"5048373\" class=\"btn-use qs-how-apply\" title='Capital One Spark Cash' href=\"\/blog\/link\/CRCapOneSparkCash\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0 intro for first year;<br> $95 after that<\/p><\/div><div class=\"compare-rating compare-rating--6\"><strong>Credit Score<\/strong><p>Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>2% Cash Back on every purchase<\/li>\r\n<li>5% Cash Back on hotels and rental cars booked through Capital One Business Travel<\/li>\r\n<\/ul> <\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/cc308a03-f10d-4b35-8aec-c22591052b67.png\" width=\"150\" alt=\"Capital One Spark Cash Plus\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One Spark Cash Plus<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn $2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year<\/div><\/div><div class=\"compare-apply\"><a data-ccid=\"4048264\" class=\"btn-use qs-how-apply\" title='Capital One Spark Cash Plus' href=\"\/blog\/link\/CR-CapitalOneSparkCashPlus\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$150<\/p><\/div><div class=\"compare-rating compare-rating--6\"><strong>Credit Score<\/strong><p>Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>2% Cash Back on every purchase. 5% Cash Back on hotels and rental cars booked through Capital One Business Travel.<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<h2><span id=\"Capital_One_Spark_Cash_Select_Benefits\">Capital One Spark Cash Select Benefits<\/span><\/h2>\n<p>The <a data-ccid=\"3006153\" href=\"\/blog\/link\/CR-SparkCashSelectforBusiness\" rel=\"noopener nofollow sponsored\">Spark Cash Select<\/a> is limited when it comes to benefits, but there are a few worth noting, especially if you are a small business owner and plan to use the card for business purchases.<\/p>\n<h3><span id=\"Access_to_the_Capital_One_Business_Travel_portal\">Access to the Capital One Business Travel portal<\/span><\/h3>\n<p>The <a data-ccid=\"3006153\" href=\"\/blog\/link\/CR-SparkCashSelectforBusiness\" rel=\"noopener nofollow sponsored\">Spark Cash Select<\/a> offers access to the Capital One Business Travel portal. Cardholders can use the portal to book flights, hotels, and rental cars. It's similar to the <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/capital-one-travel-portal\/\" rel=\"noopener\">consumer Capital One Travel portal<\/a>, but tailored to businesses.<\/p>\n<p>Although we don't necessarily recommend using a third party to book travel, this can come in handy thanks to Capital One's price drop guarantee. In the event that you book a flight when recommended and the price later drops, Capital One will refund you the difference (up to $50).<\/p>\n<h3 data-pm-slice=\"1 1 []\"><span id=\"Virtual_card_numbers\">Virtual card numbers<\/span><\/h3>\n<p><a target=\"_blank\" href=\"\/credit-cards\/capital-one-virtual-card\/\" rel=\"noopener\">Capital One offers a virtual card number<\/a> (different from the number printed on the card) to use when shopping online. This allows you to keep your actual number safe from would-be thieves or hackers.<\/p>\n<h3 data-pm-slice=\"1 1 []\"><span id=\"Free_employee_cards\">Free employee cards<\/span><\/h3>\n<p>Business owners can also track employee spending while earning all the rewards from their business spending using free employee cards.<\/p>\n<figure id=\"attachment_147098\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-147098 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Bram-Naus-Unsplash-business-man-in-suit-featured.png\" alt=\"a man in a suit checks his phone while walking out of a building\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Bram-Naus-Unsplash-business-man-in-suit-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Bram-Naus-Unsplash-business-man-in-suit-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Bram-Naus-Unsplash-business-man-in-suit-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Bram-Naus-Unsplash-business-man-in-suit-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Bram Naus\/Unsplash<\/em><\/enter><\/figure>\n<h3><span id=\"0_fraud_liability\">$0 fraud liability<\/span><\/h3>\n<p>Capital One also exempts cardholders from fraud liability for unauthorized charges made with the Spark Cash Select. If your card is lost or stolen, you can get an emergency replacement and a cash advance with this benefit.<\/p>\n<h3><span id=\"Year-end_summaries\">Year-end summaries<\/span><\/h3>\n<p>This benefit, which is often overlooked, can help you get an itemized report of your spending to simplify budgeting and tax time, once tax season arrives.<\/p>\n<h3><span id=\"Roadside_assistance\">Roadside assistance<\/span><\/h3>\n<p>When it comes to travel rewards, another benefit afforded to cardholders is <a href=\"\/credit-cards\/roadside-assistance\/\">roadside assistance<\/a>, which can get you aid such as jump-starting, tire changing, and towing during an emergency.<\/p>\n<figure id=\"attachment_167862\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-167862 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/06\/Car-Featured-Will-Unsplash.jpg\" alt=\"Car driving in Banff.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/06\/Car-Featured-Will-Unsplash.jpg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/06\/Car-Featured-Will-Unsplash-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/06\/Car-Featured-Will-Unsplash-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/06\/Car-Featured-Will-Unsplash-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Will\/Unsplash<\/em><\/enter><\/figure>\n<h3 data-pm-slice=\"1 1 []\"><span id=\"Extended_warranty\">Extended warranty<\/span><\/h3>\n<p>When using the <a data-ccid=\"3006153\" href=\"\/blog\/link\/CR-SparkCashSelectforBusiness\" rel=\"noopener nofollow sponsored\">Spark Cash Select<\/a> to pay for a purchase, you'll automatically receive an extra year of warranty on your product. This warranty must be three years or less to be eligible for this benefit.<\/p>\n<h3><span id=\"No_foreign_transaction_fees\">No foreign transaction fees<\/span><\/h3>\n<p>On other cards, foreign exchange fees can add between 1% and 3% to the cost of every overseas purchase. But the <a data-ccid=\"3006153\" href=\"\/blog\/link\/CR-SparkCashSelectforBusiness\" rel=\"noopener nofollow sponsored\">Spark Cash Select<\/a> doesn't charge these fees \u2014 a rarity for $0 annual fee cards. You can feel free to use your card in other countries without incurring a penalty.<\/p>\n<h2><span id=\"Capital_One_Spark_Cash_Select_Earning_Rates\">Capital One Spark Cash Select Earning Rates<\/span><\/h2>\n<p>The earning structure for the <a data-ccid=\"3006153\" href=\"\/blog\/link\/CR-SparkCashSelectforBusiness\" rel=\"noopener nofollow sponsored\">Spark Cash Select<\/a> is simple: You'll earn 1.5% cash back on all purchases you make with no limit and no category restrictions. If you book travel in the Capital One Business Travel portal, earnings are even better. <strong><\/strong> Through the travel booking site, rewards <strong><\/strong> can jump to a 5% cash back on hotels and rental cars bonus categories.<\/p>\n<p data-pm-slice=\"1 1 []\">This earning rate is better than other cash-back business cards, which may only earn 1% back on everyday purchases. However, it falls behind the return on spending you'll receive with other cards \u2014 particularly if you're hoping to use your earnings for travel.<\/p>\n<p>For example, the <b>Capital One Spark Miles for Business<\/b> earns 2x Capital One miles per dollar spent. In <a target=\"_blank\" href=\"\/point-mile-values\" rel=\"noopener\">AwardWallet user redemptions<\/a>, the average value of a Capital One mile is 2.04\u00a2. This means that if you opted for this card instead, you'd be getting a ~4% return on your spending compared to the 1.5% you'll get with the Spark Cash Select.<\/p>\n<h2><span id=\"Redeeming_Cash_Back_With_the_Capital_One_Spark_Cash_Select\">Redeeming Cash Back With the Capital One Spark Cash Select<\/span><\/h2>\n<p>Cardholders have four different ways to redeem the cash back earned through the <a data-ccid=\"3006153\" href=\"\/blog\/link\/CR-SparkCashSelectforBusiness\" rel=\"noopener nofollow sponsored\">Spark Cash Select<\/a>. If you have a Capital One card that earns miles, you'll unlock an additional redemption option, due to the <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/convert-cash-back-to-miles\/\" rel=\"noopener\">ability to combine the rewards<\/a>.<\/p>\n<h3><span id=\"Gift_cards\">Gift cards<\/span><\/h3>\n<p>You can redeem your earnings toward gift cards with numerous retailers. The value you'll get on these redemptions can vary, so be mindful of this before you redeem your rewards.<\/p>\n<h3><span id=\"Statement_credit\">Statement credit<\/span><\/h3>\n<p>If you'd like to receive a statement credit against purchases that you've made, just log in to your account to do so. There are no limitations for the amount you can redeem at any given time, nor for the categories of purchases for which you'd like a statement credit.<\/p>\n<h3><span id=\"Paper_check\">Paper check<\/span><\/h3>\n<p>If you'd prefer to receive a check in the mail rather than a statement credit, you can also opt to have one mailed to you. While this may take a little longer than applying for a statement credit, it's a nice way to pad your bank account balance.<\/p>\n<h3><span id=\"Capital_One_Business_Travel_portal\">Capital One Business Travel portal<\/span><\/h3>\n<p>Your last option for redeeming rewards comes in the form of the travel portal, where you can redeem your cash back for bookings that you make. However, if you're interested in booking through the travel portal, you're better off doing the following to maximize your rewards:<\/p>\n<ul>\n<li>Book a hotel, rental car, or flight through the travel portal using your card to pay.<\/li>\n<li>Redeem cash back as a statement credit against the purchase.<\/li>\n<\/ul>\n<p>Booking through the <a target=\"_blank\" href=\"https:\/\/capitalonetravel.com\/business-travel\" rel=\"noopener\">Capital One Business Travel portal<\/a> allows you to both earn (up to 5% cash back in the case of hotels and rental cars) and redeem against a single purchase. You'll wind up with more rewards in the long run.<\/p>\n<p>Plus, using this portal is also a convenient way to manage business travel. It offers features like customizable travel policies, streamlined team access to bookings, and intuitive methods of tracking what your business spends on travel in real time.<\/p>\n<h2><span id=\"Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/span><\/h2>\n<p>The <a data-ccid=\"3006153\" href=\"\/blog\/link\/CR-SparkCashSelectforBusiness\" rel=\"noopener nofollow sponsored\">Spark Cash Select<\/a> is an interesting beast when it comes to the application process. Capital One tends to be one of the strictest card issuers around. This is especially true when it comes to those who frequently open new credit cards.<\/p>\n<p>Our best advice is to hold off from applying for cards for a few months before trying your hand with Capital One, because the issuer tends to be sensitive to the number of inquiries and new accounts it sees on your credit report.<\/p>\n<p>There are a few other rules to note:<\/p>\n<ul>\n<li>You can hold a maximum of two personal Capital One cards at once.<\/li>\n<li>There is no limit to the number of business cards you can have.<\/li>\n<li>You'll only be approved for one card every six months.<\/li>\n<li>Capital One pulls from all three credit bureaus.<\/li>\n<li>Business credit cards are reported to your credit account; this means they'll be included in your <a target=\"_blank\" href=\"\/credit-cards\/chase-5-24-rule\/\" rel=\"noopener\">Chase 5\/24 count<\/a>.<\/li>\n<\/ul>\n<figure id=\"attachment_163933\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-163933 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Mikhail-Nilov-Pexels-woman-with-business-documents-featured.jpg\" alt=\"a woman sits at a desk with business documents spread out\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Mikhail-Nilov-Pexels-woman-with-business-documents-featured.jpg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Mikhail-Nilov-Pexels-woman-with-business-documents-featured-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Mikhail-Nilov-Pexels-woman-with-business-documents-featured-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Mikhail-Nilov-Pexels-woman-with-business-documents-featured-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Mikhail Nilov\/Pexels<\/em><\/enter><\/figure>\n<p>Capital One also tends to approve only those who will qualify for the bonus. However, it has recently begun including language that may indicate otherwise:<\/p>\n<blockquote>\n<p style=\"text-align: left;\"><em>&#8220;Existing or previous Accountholders may not be eligible for this one-time bonus.&#8221;<\/em><\/p>\n<\/blockquote>\n<p>There aren't any data points suggesting approval without eligibility for the bonus, but the door has been opened. Keep an eye out.<\/p>\n<h2><span id=\"Cards_That_Compete_With_the_Capital_One_Spark_Cash_Select\">Cards That Compete With the Capital One Spark Cash Select<\/span><\/h2>\n<p>There are plenty of <a target=\"_blank\" href=\"\/find-a-card\/business\/\" rel=\"noopener\">business credit cards<\/a> out there. These run the gamut from no-annual-free options to cards that'll cost you hundreds of dollars per year to keep in your pocket. There are also cards that provide far more benefits, such as hotel elite status. If you're not sure the <a data-ccid=\"3006153\" href=\"\/blog\/link\/CR-SparkCashSelectforBusiness\" rel=\"noopener nofollow sponsored\">Spark Cash Select<\/a> card is for you, consider the following:<\/p>\n<ul>\n<li><strong>If your business has higher expenses that can be charged to a rewards card<\/strong>, the <a href=\"\/credit-cards\/cash-back\/capital-one-spark-cash-plus\/\">Capital One Spark Cash Plus<\/a> offers an amazing welcome offer of $2,000 cash back once you spend $30,000 in the first 3 months. Additionally, you'll earn unlimited 2% cash back on every purchase, making it easy to maximize your cash back earnings on all your business expenses.<\/li>\n<li><b>If you're looking for better cash back, <a data-ccid=\"4048169\" href=\"\/blog\/link\/AmericanExpressBlueBusinessCashCard\" rel=\"noopener nofollow sponsored\">The American Express Blue Business Cash\u2122 Card<\/a><\/b> also has no annual fee(<a data-ccid=\"4048169\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinesscash-credit-card\/42732-9-0?key=tncBody&rwdFlag=rwd#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) but earns 2% cash back on the first $50,000 spent each year (then 1% thereafter). You'll also enjoy a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Check out our full <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/amex-blue-business-cash\/\" rel=\"noopener\">review of the Blue Business Cash<\/a>\u00a0for more details.<\/li>\n<li><strong>If you'd rather earn transferable rewards<\/strong>, the <b>Capital One Spark Miles for Business<\/b> waives the annual fee during the first year, then it's $95 in years two and beyond. This card gives you  These can then be transferred to <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/capital-one-transfer-partners\/\" rel=\"noopener\">Capital One's 22 hotel and airline partners<\/a>. Check out our <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/spark-miles\/\" rel=\"noopener\">full review of the Spark Miles card<\/a> for a deeper look.<\/li>\n<li><strong>If your credit isn't excellent, <\/strong>the Capital One Spark Cash Select for Good Credit has all the same benefits without the cash bonus in the welcome offer. It also features a 0% Intro APR for the first 12 months; it has a 21.24% - 29.24% variable APR after that.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-capital-one\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/cc308a03-f10d-4b35-8aec-c22591052b67.png\" width=\"150\" alt=\"Capital One Spark Cash Plus\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One Spark Cash Plus<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn $2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year<\/div><\/div><div class=\"compare-apply\"><a data-ccid=\"4048264\" class=\"btn-use qs-how-apply\" title='Capital One Spark Cash Plus' href=\"\/blog\/link\/CR-CapitalOneSparkCashPlus\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$150<\/p><\/div><div class=\"compare-rating compare-rating--6\"><strong>Credit Score<\/strong><p>Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>2% Cash Back on every purchase. 5% Cash Back on hotels and rental cars booked through Capital One Business Travel.<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2019\/11\/CardArt-AmericanExpressBlueBusinessCashCard.png\" alt=\"BlueBizCash\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">The American Express Blue Business Cash\u2122 Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='The American Express Blue Business Cash\u2122 Card' data-ccid=\"4048169\" href=\"\/blog\/link\/AmericanExpressBlueBusinessCashCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>No annual fee<span class=\"compare-terms\"><a data-ccid=\"4048169\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinesscash-credit-card\/42732-9-0?key=tncBody&rwdFlag=rwd#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul><li>Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.<\/li><\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/08\/CardArt-CapitalOneSparkMiles.png\" width=\"150\" alt=\"Capital One Spark Miles for Business\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One Spark Miles for Business<\/div><div class=\"compare-offer\">This card is no longer available to new applicants.<\/div><\/div><div class=\"compare-apply\"><a class=\"qs-learn-more\" data-ccid=\"265\" target=\"_blank\" href=\"\/blog\/cards\/SparkMiles\">Learn More<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<\/p><\/div><div class=\"compare-rating compare-rating--0\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>2X miles per dollar on every purchase, everywhere, no limits or category restrictions<\/li>\r\n<li>5X miles per dollar on purchases through Capital One Entertainment<\/li>\r\n<li>5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>The <a data-ccid=\"3006153\" href=\"\/blog\/link\/CR-SparkCashSelectforBusiness\" rel=\"noopener nofollow sponsored\">Spark Cash Select<\/a> is a decent option for those looking to earn no-fuss cash back. With an unlimited 1.5% cash back on everyday spending, it takes little forethought to earn and redeem your rewards. However, it falls behind competitors when it comes to return on spending. This is especially true when compared to cards that earn <a href=\"\/travel\/types-of-rewards-points\/\">flexible rewards points<\/a>.<\/p>\n<p>Still, a $750 cash back welcome offer and benefits such as roadside assistance, an extended warranty, and no foreign transaction fees make this card worth a second look.<\/p>\n<p><div class=\"qs-card\" data-id=\"3006153\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One Spark Cash Select<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/0a1a73c8-b137-4393-9ef9-2437b08b5b2b.png\" width=\"150\" alt=\"Capital One Spark Cash Select\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a data-ccid=\"3006153\" class=\"btn-use qs-how-apply\" title='Capital One Spark Cash Select' href=\"\/blog\/link\/CR-SparkCashSelectforBusiness\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One Spark Cash Select<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">A no-nonsense business rewards card earning 1.5% cashback on all business expenses with no annual fee.<\/div><div class=\"qs-tab-hl\"><ul><li>Earn $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening<\/li>\r\n \t<li>1.5% cashback on every purchase<\/li>\r\n         <li>5% cash back on hotels and rental cars booked through Capital One Business Travel<\/li>\r\n \t<li>No foreign transaction fees<\/li>\r\n \t<li>$0 annual fee<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>1.5% cashback on every purchase<\/li>\r\n<li>5% cash back on hotels and rental cars booked through Capital One Business Travel<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SparkCashSelect\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-138a544e81#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Capital One Spark Cash Select is a decent option for earning cash back on everyday spend without paying an annual fee. However, it falls behind competitors with higher bonus categories. But this could be a good choice for business owners with lots of &#8220;non-bonus&#8221; spending or who want no-fuss cash-back earnings.<\/p>\n","protected":false},"author":75,"featured_media":122758,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12657,12787,12620],"coauthors":[36395,36412],"class_list":["post-119211","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-business","tag-capital-one","tag-card-reviews"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/119211","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/75"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=119211"}],"version-history":[{"count":41,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/119211\/revisions"}],"predecessor-version":[{"id":257437,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/119211\/revisions\/257437"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/122758"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=119211"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=119211"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=119211"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=119211"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}