The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
- Capital One Spark Cash Select for Excellent Credit
A great no-annual-fee business card with 1.5% cash back
- 1.5% Cash BackRewards Rate
- 18.49% – 24.49% VariableAPR
- $0Annual Fee
- ExcellentRecommended Credit
As the name suggests, the Capital One Spark Cash Select for Excellent Credit is for people with excellent credit scores. It's a good choice if you're in that credit score range and want to earn uncapped flat-rate cash back on every purchase without any annual or foreign transaction fees. While there are no bonus categories with higher rewards rates, there are no categories or activations to remember or spending limits to keep an eye out for, making this a great choice for those looking for a straightforward approach.
Also, if you spend $6,00 in your first three months as a cardholder, you will earn an impressive $750 bonus. Here's what else you need to know about the card's features, advantages, drawbacks and other characteristics to help you determine if it's right for you.
Capital One Spark Cash Select for Excellent Credit Overview
The Capital One Spark Cash Select for Excellent Credit offers a range of benefits for small business owners. Here's a quick overview and a deep dive into some notable features.
- Rewards rate: 1.5% cash back on every purchase; 5% cash back on hotels and rental cars booked through Capital One Travel
- Welcome offer: Earn $750 after spending $6,000 in the first three months
- Regular APR: 18.49% – 24.49% (variable)
- Annual fee: $0
- Intro APR offer: None
Important Card Details
Understanding a new card's benefits, fees and interest rates is essential to decide if it's right for you.
Decent Flat Rewards Rate
You'll earn 1.5% cash back on every purchase with this card. Plus, there's no spending cap, meaning there's no limit on your rewards potential.
Generous Sign Up Bonus
This card comes with a generous welcome offer of $750 cash after spending $6,000 in the first three months. If you anticipate spending that amount on your new card anyway, it's also a pleasant bonus to be rewarded for it.
No Annual Fee
This card does not have an annual fee.
Fairly Typical APR
The regular APR is 18.49% – 24.49% (variable), which is a little higher than the typical APR for a business credit card of 17% or 18%.
No Foreign Transaction Fee
With no surcharge on transactions made in a foreign currency or outside the United States, you can still earn cash back rewards without penalties while shopping worldwide.
Easy Account Management
You can assign an authorized user to your account and have them manage it on your behalf.
Streamlined Mobile App
Using the mobile app accessible for both iOS and Android users, you can receive transaction alerts, make payments, manage your rewards, set spend limits for employee cards, lock your card or an employee's card if it has been lost or stolen, view statements, purchase records and more.
How the Capital One Spark Cash Select for Excellent Credit Compares
The Capital One Spark Cash Select for Excellent Credit is a solid option for many small business owners. Shoppers who don't want to be a part of complex rewards programs may love this simple cash back card with no annual fees or spending caps.
How This Card Compares
Capital One Spark Cash Select for Excellent Credit
- Annual Fee: None
- Regular APR: 18.49% – 24.49% variable
- Rewards Rate: 1.5%
- Foreign Transaction Fee: None
- Best for: Simple cash back with unlimited rewards
American Express Blue Business Cash™ Card
- Annual Fee: None
- Regular APR: 18.49% – 26.49% variable
- Rewards Rate: 1%–2%
- Foreign Transaction Fee: 2.7%
- Best for: Flat-rate cash back with a high spending cap
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.