Capital One Spark Cash Select card art

Capital One Spark Cash Select

$750 Bonus Points

Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening.

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Rewards Rate
1.5-5% cash back
Annual Fee
$0
Our Mission

At Daily Drop, our mission is simple: to help you explore the world affordably and experience life-changing travel by maximizing miles and points. Our team of travel and credit card experts is here to help you make decisions about which cards belong in your wallet. Based on your travel goals, we offer unbiased advice to help you make the best choices. Keep in mind that our suggestions require responsible credit card use.

Rating Methodology

Here at Daily Drop, we score credit cards using a proprietary formula based on dozens of metrics across six key categories: annual fee, welcome offer, rewards rates, redemption value, benefits & perks, and travel protections. Higher scores indicate better overall value.

We net the annual fee against statement credits you'll likely use and focus on a welcome offer's true return on spending (ROI) rather than just the headline number. We value rewards by their actual worth in cents per point, which is why flexible, transferable points typically score highest. APR is not a standalone scoring category because we recommend paying in full to maximize points and miles, but an intro 0% APR counts as a perk.

Our reviews are editorial and experience-driven. Our team has earned and redeemed millions of miles and points and tested these cards around the world. After all, we would not be Daily Drop if we were not practicing what we preach.

Read our full methodology for more information.

Pros & Cons

Pros

  • The 1.5% cashback rate on all purchases is easy to understand and rewarding for everyday business spending
  • No annual fee
  • Access to valuable business benefits, such as expense tracking tools and year-end summaries, simplifies financial management
  • Designed for businesses with an excellent credit profile, making it accessible to businesses with strong credit histories

Cons

  • While it offers cashback rewards, it may not have premium travel or business-specific benefits that some other business credit cards offer

Rewards Summary

  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
  • 1.5% cash-back per $1 for your business on every purchase, everywhere, no limits or category restrictions

Additional Benefits

  • Rewards won't expire for the life of the account
  • Redeem your cash back rewards for any amount
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • $0 Fraud Liability for unauthorized charges
  • Top rated mobile app

Our Experts

McKay Moffitt

Written by: McKay Moffitt

Writer

Updated:Jul 3, 2026

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by products. See the respective Guide to Benefits for details, as terms and exclusions apply.

Editorial disclaimer: opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Information was last updated Jul 3, 2026.

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