Capital One Spark Cash Select review

Spark Cash Select is Capital One's no-fee flat-rate business card. It pays unlimited 1.5% cash back on every purchase with no limits or category restrictions, and 5% on hotels and rental cars booked through Capital One Business Travel. New cardholders get a one-time $750 cash bonus after spending $6,000 in the first 3 months. The annual fee is $0, and the card charges no foreign transaction fees. Employee cards are free and owners can set customized spending limits. Cash back can be redeemed for any amount at any time and does not expire for the life of the account. Capital One lists excellent credit for the card. The weaker points are the rate, since Wells Fargo Signify pays 2% with no fee, and Capital One notes the bonuses may not be available to existing or previous Capital One business cardholders. It fits owners who buy from overseas suppliers or travel abroad and want simple cash back.

Who it is for

owners who want flat cash back and pay vendors abroad

Price

$0 annual fee.

Enjoy a $0 annual fee in addition to the big rewards and cash bonus you can earn.
Quoted from the vendor pricing page on November 12, 2026.

Key features

• Unlimited 1.5% cash back on every purchase with no limits or category restrictions
• 5% cash back on hotels and rental cars booked through Capital One Business Travel
• One-time $750 cash bonus after $6,000 in purchases in the first 3 months
• No foreign transaction fees
• Free employee cards with customized spending limits

Strengths and weaknesses

• Strength: $0 annual fee and no foreign transaction fees
• Strength: Cash back does not expire for the life of the account
• Strength: Free employee cards with spend limits
• Weakness: 1.5% is below the 2% from Wells Fargo Signify Business Cash
• Weakness: Bonuses may not be available to existing or previous Capital One business cardholders
• Weakness: Capital One lists excellent credit for this card

Key facts

• Annual fee: $0
• Rewards: Unlimited 1.5% cash back
• Welcome offer: $750 after $6,000 in 3 months
• Foreign transaction fee: None

Where it ranks

Capital One Spark Cash Select is No. 10 in our Best Business Credit Cards verdict.