Here you can add a description about your company or product
© Copyright 2026 CardRewards. All Rights Reserved.
$150
Annual Fee
5X
Top Rate
Annual Fee
$150
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Cash
Credit Required
Good to Excellent
Benefits & Perks
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #34 of 119 |
The Capital One Spark Cash Select Business card offers cash back instead of transferable miles, which limits its appeal unless you already hold a miles‑earning Capital One card. There are stronger business card options available.
The Capital One Spark Cash Select business card is one of six Spark cards, but it is not one we recommend. Its **welcome offer provides $500 cash back** rather than miles, which limits its overall value. You can convert those cash back rewards into transferable miles only if you already have an eligible miles‑earning Capital One card. If you don’t, you’ll want to start with a miles‑earning option — our top picks are the Capital One Venture X or Venture Rewards cards. This business card does not count against your 5/24 limit. However, even if you’re nearing that limit, there are other Capital One business cards we’d recommend over this one.
Details & Terms
| Rule | Details |
|---|---|
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| 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 |
| Purchase APR | 18.49%–29.49% (Variable) |
| Cash Advance APR | 18.49%–29.49% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Spark family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
$150
Annual Fee
5X
Top Rate
Annual Fee
$150
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Cash
Credit Required
Good to Excellent
Benefits & Perks
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #34 of 119 |
The Capital One Spark Cash Select Business card offers cash back instead of transferable miles, which limits its appeal unless you already hold a miles‑earning Capital One card. There are stronger business card options available.
The Capital One Spark Cash Select business card is one of six Spark cards, but it is not one we recommend. Its **welcome offer provides $500 cash back** rather than miles, which limits its overall value. You can convert those cash back rewards into transferable miles only if you already have an eligible miles‑earning Capital One card. If you don’t, you’ll want to start with a miles‑earning option — our top picks are the Capital One Venture X or Venture Rewards cards. This business card does not count against your 5/24 limit. However, even if you’re nearing that limit, there are other Capital One business cards we’d recommend over this one.
Details & Terms
| Rule | Details |
|---|---|
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| 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 |
| Purchase APR | 18.49%–29.49% (Variable) |
| Cash Advance APR | 18.49%–29.49% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Spark family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
$150
Annual Fee
5X
Top Rate
Annual Fee
$150
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Cash
Credit Required
Good to Excellent
Benefits & Perks
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #34 of 119 |
The Capital One Spark Cash Select Business card offers cash back instead of transferable miles, which limits its appeal unless you already hold a miles‑earning Capital One card. There are stronger business card options available.
The Capital One Spark Cash Select business card is one of six Spark cards, but it is not one we recommend. Its **welcome offer provides $500 cash back** rather than miles, which limits its overall value. You can convert those cash back rewards into transferable miles only if you already have an eligible miles‑earning Capital One card. If you don’t, you’ll want to start with a miles‑earning option — our top picks are the Capital One Venture X or Venture Rewards cards. This business card does not count against your 5/24 limit. However, even if you’re nearing that limit, there are other Capital One business cards we’d recommend over this one.
Details & Terms
| Rule | Details |
|---|---|
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| 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 |
| Purchase APR | 18.49%–29.49% (Variable) |
| Cash Advance APR | 18.49%–29.49% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Spark family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Get free additional warranty and protection on eligible items that you purchase with your card.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
This card simplifies rewards with:
- $500 cash back after spending $4,500 in the first three months
- 1.5% cash back on every purchase, everywhere, with no category restrictions—helping you earn more cash back while working toward your sign‑up bonus
- **No annual fee**
- Roadside assistance
- Extended warranty protection on eligible items purchased with this card
At first glance, this might suit a small business just getting into points and miles. However, we generally prefer miles and points for travel deals over cash back. You can transfer these cash back rewards to miles by moving them to an eligible miles‑earning Capital One card. If you plan to do that, you might as well choose the Spark Miles Select Business card, which offers identical bonuses in miles instead of cash.
The exceptions where this card might not be good for you:
- You prefer miles instead of cash. While you can transfer cash rewards to an eligible miles‑earning Capital One card, you can skip that extra step by choosing a miles‑earning card from the start.
- You don’t mind canceling a card after the first year to take advantage of a more lucrative card with an annual fee that’s waived in the first year. Several Spark cards offer that feature.
**Capital One is a flexible point system we use for travel items that other systems don't cover**
- Partner transfers are niche airlines and hotel brands, making the points more difficult to maximize
- Using an award search tool such as [PointsYeah](https://www.pointsyeah.com/?linkId=lp_919533&sourceId=pointsnav&tenantId=pointsyeah) makes finding flights with those airlines more realistic
- Simple redemptions for erasing travel can be useful for cruises & rental cars (at 1¢/point so value isn’t maximized)
- Capital One is particularly attractive to businesses with large spending
Five of the six Spark Business cards share similar sign‑up bonuses and benefits. This card and the **Spark Miles Select** are nearly identical — one pays out in cash, the other in miles — and both require the same spending thresholds and multiplier rates.
The next tier includes the **Spark 2% Cash** and **Spark 2% Miles** cards. The cash card requires $7,500 in spending within three months to earn a $750 cash back bonus. The miles card requires $4,500 in spending within three months to earn a 50,000‑mile bonus. Both carry a $95 annual fee, waived in the first year. There is also the **Spark Classic** card, which earns 1% cash back and comes with no sign‑up bonus or additional benefits; we recommend it only if your credit is limited and it’s your only approval option.
The outlier is the **Spark Cash Plus b** usiness card, which offers the highest sign‑up bonus: $2,000 cash back after spending $30,000 within three months. If your business has high spending, you can earn an additional $2,000 for every $500,000 spent in the first year. If you’re considering this card, also compare it to the **Capital One Venture X Business** card. The Venture X likewise requires $30,000 in spending within three months for its 150,000‑point bonus, but it includes a suite of additional benefits and perks.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$94.80
Annual Fee
-$150
Net Annual Value
-$55.20
| Capital One Spark Cash |
| mid |
| $95 |
| Capital One Spark Miles | mid | $0 |
Product changes available between family members without a new credit inquiry.
Get free additional warranty and protection on eligible items that you purchase with your card.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
This card simplifies rewards with:
- $500 cash back after spending $4,500 in the first three months
- 1.5% cash back on every purchase, everywhere, with no category restrictions—helping you earn more cash back while working toward your sign‑up bonus
- **No annual fee**
- Roadside assistance
- Extended warranty protection on eligible items purchased with this card
At first glance, this might suit a small business just getting into points and miles. However, we generally prefer miles and points for travel deals over cash back. You can transfer these cash back rewards to miles by moving them to an eligible miles‑earning Capital One card. If you plan to do that, you might as well choose the Spark Miles Select Business card, which offers identical bonuses in miles instead of cash.
The exceptions where this card might not be good for you:
- You prefer miles instead of cash. While you can transfer cash rewards to an eligible miles‑earning Capital One card, you can skip that extra step by choosing a miles‑earning card from the start.
- You don’t mind canceling a card after the first year to take advantage of a more lucrative card with an annual fee that’s waived in the first year. Several Spark cards offer that feature.
**Capital One is a flexible point system we use for travel items that other systems don't cover**
- Partner transfers are niche airlines and hotel brands, making the points more difficult to maximize
- Using an award search tool such as [PointsYeah](https://www.pointsyeah.com/?linkId=lp_919533&sourceId=pointsnav&tenantId=pointsyeah) makes finding flights with those airlines more realistic
- Simple redemptions for erasing travel can be useful for cruises & rental cars (at 1¢/point so value isn’t maximized)
- Capital One is particularly attractive to businesses with large spending
Five of the six Spark Business cards share similar sign‑up bonuses and benefits. This card and the **Spark Miles Select** are nearly identical — one pays out in cash, the other in miles — and both require the same spending thresholds and multiplier rates.
The next tier includes the **Spark 2% Cash** and **Spark 2% Miles** cards. The cash card requires $7,500 in spending within three months to earn a $750 cash back bonus. The miles card requires $4,500 in spending within three months to earn a 50,000‑mile bonus. Both carry a $95 annual fee, waived in the first year. There is also the **Spark Classic** card, which earns 1% cash back and comes with no sign‑up bonus or additional benefits; we recommend it only if your credit is limited and it’s your only approval option.
The outlier is the **Spark Cash Plus b** usiness card, which offers the highest sign‑up bonus: $2,000 cash back after spending $30,000 within three months. If your business has high spending, you can earn an additional $2,000 for every $500,000 spent in the first year. If you’re considering this card, also compare it to the **Capital One Venture X Business** card. The Venture X likewise requires $30,000 in spending within three months for its 150,000‑point bonus, but it includes a suite of additional benefits and perks.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$94.80
Annual Fee
-$150
Net Annual Value
-$55.20
| Capital One Spark Cash |
| mid |
| $95 |
| Capital One Spark Miles | mid | $0 |
Product changes available between family members without a new credit inquiry.
Get free additional warranty and protection on eligible items that you purchase with your card.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
This card simplifies rewards with:
- $500 cash back after spending $4,500 in the first three months
- 1.5% cash back on every purchase, everywhere, with no category restrictions—helping you earn more cash back while working toward your sign‑up bonus
- **No annual fee**
- Roadside assistance
- Extended warranty protection on eligible items purchased with this card
At first glance, this might suit a small business just getting into points and miles. However, we generally prefer miles and points for travel deals over cash back. You can transfer these cash back rewards to miles by moving them to an eligible miles‑earning Capital One card. If you plan to do that, you might as well choose the Spark Miles Select Business card, which offers identical bonuses in miles instead of cash.
The exceptions where this card might not be good for you:
- You prefer miles instead of cash. While you can transfer cash rewards to an eligible miles‑earning Capital One card, you can skip that extra step by choosing a miles‑earning card from the start.
- You don’t mind canceling a card after the first year to take advantage of a more lucrative card with an annual fee that’s waived in the first year. Several Spark cards offer that feature.
**Capital One is a flexible point system we use for travel items that other systems don't cover**
- Partner transfers are niche airlines and hotel brands, making the points more difficult to maximize
- Using an award search tool such as [PointsYeah](https://www.pointsyeah.com/?linkId=lp_919533&sourceId=pointsnav&tenantId=pointsyeah) makes finding flights with those airlines more realistic
- Simple redemptions for erasing travel can be useful for cruises & rental cars (at 1¢/point so value isn’t maximized)
- Capital One is particularly attractive to businesses with large spending
Five of the six Spark Business cards share similar sign‑up bonuses and benefits. This card and the **Spark Miles Select** are nearly identical — one pays out in cash, the other in miles — and both require the same spending thresholds and multiplier rates.
The next tier includes the **Spark 2% Cash** and **Spark 2% Miles** cards. The cash card requires $7,500 in spending within three months to earn a $750 cash back bonus. The miles card requires $4,500 in spending within three months to earn a 50,000‑mile bonus. Both carry a $95 annual fee, waived in the first year. There is also the **Spark Classic** card, which earns 1% cash back and comes with no sign‑up bonus or additional benefits; we recommend it only if your credit is limited and it’s your only approval option.
The outlier is the **Spark Cash Plus b** usiness card, which offers the highest sign‑up bonus: $2,000 cash back after spending $30,000 within three months. If your business has high spending, you can earn an additional $2,000 for every $500,000 spent in the first year. If you’re considering this card, also compare it to the **Capital One Venture X Business** card. The Venture X likewise requires $30,000 in spending within three months for its 150,000‑point bonus, but it includes a suite of additional benefits and perks.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$94.80
Annual Fee
-$150
Net Annual Value
-$55.20
| Capital One Spark Cash |
| mid |
| $95 |
| Capital One Spark Miles | mid | $0 |
Product changes available between family members without a new credit inquiry.
