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

    Solid business credit card with unlimited cash back card and no annual fee

    • 1.5% Cash BackRewards Rate
    • $0Annual Fee
    • 17.99% – 23.99% VariableAPR
    • ExcellentRecommended Credit
    Capital One Spark Cash Select for Excellent Credit

    Terms, rates and fees apply

    Compare this credit card with other top-rated cards from our partners.

The Capital One Spark Cash Select for Excellent Credit is, as the name suggests, for people with excellent credit scores. It's a good choice if you're in that credit score range and are looking to earn uncapped flat-rate cash back on every purchase without any annual fees or foreign transaction fees. While there are no bonus categories with higher rewards rates, that also means 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 simple approach.

Also, if you spend $4,500 in your first three months as a cardholder, you will earn an impressive $500 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’s offers a range of benefits for small business owners. Here's a quick overview, followed by 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 $500 after spending $4,500 in the first three months
  • Regular APR: 17.99% to 23.99% (variable)
  • Annual fee: $0
  • Intro APR offer: None

Important Card Details

It's important to understand the benefits, fees and interest rates of a new card in order to decide if it's right for you.

  • rewards icon

    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.

  • coins icon

    Generous Sign Up Bonus

    This card comes with a generous welcome offer of $500 cash after spending $4,500 in the first three months. If you know you're going to be doing that spending on your new card anyway, it's a nice perk to get rewarded for it, too.

  • noFee icon

    No Annual Fee

    This card comes with no annual fee.

  • discount icon

    Fairly Typical APR

    The regular APR is 17.99%– 23.99% (variable), which is a little higher than the typical APR for a business credit card of 17% or 18%.

  • noForeignTransactionFee icon

    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 with no penalties while shopping around the world.

  • signupBonus icon

    Easy Account Management

    You can assign an authorized user to your account and have them manage your account on your behalf.

  • smartphone icon

    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, and view statements, purchase records and more.

How the Capital One Spark Cash Select for Excellent Credit Compares To Other Cards

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
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Capital One Spark Cash Select for Excellent Credit

  • Annual Fee: None
  • Regular APR: 17.99%– 23.99% variable
  • Rewards Rate: 1.5%
  • Foreign Transaction Fee: None
  • Best for: Simple cash back with unlimited rewards
creditCard2 icon

American Express Blue Business Cash™ Card

  • Annual Fee: None
  • Regular APR: 18.24% – 26.24% variable
  • Rewards Rate: 1%–2%
  • Foreign Transaction Fee: 2.7%
  • Best for: Flat-rate cash back with a high spending cap
*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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