Capital One Spark 1.5% Cash Select
- Annual Fee
- $0
- cash back · Welcome Bonus
- $750
- Highest rate (conditional)
- Up to 5% (Car Rentals Capital One)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Visa Signature
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Good to Excellent
Welcome Offer
Bonus: $750 cash back
Spend: $6,000
Period: 3 months
Earning Rates
- 5%
Car Rentals Capital One
Earn unlimited 5% cash back on rental cars booked through Capital One Travel
- 5%
Hotels Capital One
Earn unlimited 5% cash back on hotels booked through Capital One Travel
- 1.5%
All Other
Unlimited 1.5% cash back on every purchase — No annual cap
Benefits & Perks
Insurance & Protections
1 protectionsExtended Warranty
secondary
Get free additional warranty and protection on eligible items that you purchase with your card.
Reviews & Analysis
Third-Party Rankings & Ratings
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #34 of 119 |
Pros and Cons
Pros
- +No annual fee makes it risk-free
- +Unlimited 1.5% cash back on all purchases
- +No foreign transaction fees for international business
- +Free employee cards
- +Simple flat-rate structure
- +Visa network for wide acceptance
Cons
- -1.5% rate is lower than cards with annual fees
- -No bonus categories for higher earning
- -Lower welcome bonus than premium business cards
- -Protections are limited to extended warranty and roadside assistance
- -No statement credits or perks
Who It's Best For
Best For
- Small businesses seeking unlimited flat-rate cash back with no annual fee
- Business owners who want simple rewards without category tracking
- Companies needing free employee cards
- Businesses with international spending due to no foreign transaction fees
Not Ideal For
- Businesses that can maximize category bonuses on other cards
- Those seeking higher cash back rates with annual fees
- Companies wanting travel rewards or points flexibility
The Math: Is $0 Worth It?
First-year value includes $750 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Cap One 1/6 | You won’t be approved for a second Capital One card if you’ve opened one in the past six months |
Payment Terms
| Purchase APR | 16.99%–26.99% (Variable) |
| Cash Advance APR | 30.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Card Family
Spark family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Capital One Spark Cash | mid | $95 |
Product changes available between family members without a new credit inquiry.
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Capital One | — | Capital One |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page: Apr | |
| Capital One | Capital One |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.