Capital One
Capital One Spark Cash Select Benefits, Credits & Annual Fee
No annual fee · Earns Cash Back
A no-annual-fee business card that earns unlimited 1.5% cash back on all purchases, plus 5% on hotels and rental cars booked through Capital One Business Travel. Good for small business owners who want simple, flat-rate cash back.
- 5%Travel
- 1.5%Everything Else
Maintained by Creddy Editorial · Catalog checked Oct 9, 2026
Capital One Spark Cash Select at a Glance: No Annual Fee, Issuer and Rewards
- Annual fee:
- No annual fee
- Issuer:
- Capital One
- Rewards:
- Cash Back
Capital One Spark Cash Select Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Travel general | 5% | Portal bookings only |
| Everything else | 1.5% |
Who Should Get the Capital One Spark Cash Select?
The Capital One Spark Cash Select fits people who want one flat rate: 1.5% on every purchase. It has no annual fee, so it costs nothing to keep. It is a business card.
Is the Capital One Spark Cash Select Worth It?
The Capital One Spark Cash Select has no annual fee, so every reward you earn is value you keep. Compare its earning rates with your spending.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Capital One Spark Cash Select Welcome Bonus
$750 cash bonus
Offer history
- Usual
- $750
- Highest seen
- $750
Gaps are offers with mixed rewards or no record.
Tracked since Oct 2024
Capital One Spark Cash Select Statement Credits and When They Reset
Creddy's catalog lists no statement credits for the Capital One Spark Cash Select. Its value comes from its rewards and other benefits on this page.
Capital One Spark Cash Select Travel Benefits
Travel Benefits
- Capital One Business Travel Access
Get complimentary access to Capital One Business Travel, a business travel management platform. Use it to arrange and manage business trips in one place. Access is free, but travel bookings and other trip costs are not included.
Checked Oct 7, 2026 - Roadside Assistance
Get roadside help when your vehicle breaks down, including jump-starts, tire changes, and towing. Call the number on the back of your card to request service. Coverage applies to auto-related emergencies while you're on the road.
Checked Jul 4, 2026Source
More Capital One Spark Cash Select Card Benefits
Bonus Earnings
- 5% Cash Back on Hotels and Rental Cars via Capital One Business Travel5%
Earn 5% cash back on hotels and rental cars when you book through Capital One Business Travel. To get the higher rate, you must complete your booking through the Capital One Business Travel portal rather than directly with the hotel or rental company. There's no cap on how much you can earn at this rate.
Checked Jul 4, 2026 - 1.5% Unlimited Cash Back on Every Purchase1.5%
Earn 1.5% cash back on every business purchase with no caps and no category restrictions. Cash back is applied automatically to every transaction, everywhere you use the card. There's no limit to how much you can earn.
Checked Jul 4, 2026
Purchase Protection
- Zero Fraud Liability
You're not responsible for unauthorized charges if your card is lost or stolen. Report the loss and get an emergency replacement card and a cash advance to cover immediate needs. Zero fraud liability applies as long as you report the issue promptly.
Checked Oct 9, 2026Source - Extended Warranty
Get an extended warranty on eligible items you buy with your card, adding coverage beyond the manufacturer's original warranty. Pay for the purchase with your card to activate the protection. Check your card benefits guide for eligible product categories and maximum coverage terms.
Checked Jul 4, 2026Source
Entertainment
- Entertainment and Other Rewards Redemptions
Redeem your Capital One rewards for tickets to events. Browse and book them through Capital One Entertainment at entertainment.capitalone.com. Only events made available through that site can be purchased with rewards.
Checked Oct 9, 2026
Fees & Miscellaneous
- Cash Back Redemption by Statement Credit or Check
Redeem cash back as a statement credit or a check. Sign in to your rewards account, choose an available redemption option and follow the prompts. A statement credit reduces your card balance but does not necessarily replace your required monthly payment.
Checked Oct 7, 2026 - Fraud Liability and Emergency Card Replacement
Emergency card replacement and a cash advance are available if your card is lost or stolen. Report the loss to Capital One and ask about replacement and emergency cash options. Cash advances can carry fees and interest; do not assume they are free.
Checked Oct 7, 2026 - Free Access to Integrated Accounts Payable Solution
Get free access to Capital One's integrated accounts payable solution. Use it to manage and pay your business bills in one place. Sign up through your Capital One business account to get started.
Checked Oct 9, 2026 - Free Employee Cards
Track employee spending while earning rewards from their purchases. Set customized spending limits for employee cards and see transactions as they post. Employee cards are free.
Checked Sep 14, 2026Source - No Annual Fee$0 / yr
Holding this card costs $0 per year - no annual fee, ever. You keep full access to all card benefits and rewards without paying a yearly charge to maintain your account.
Checked Jul 4, 2026 - No Foreign Transaction Fees
Pay zero foreign transaction fees on purchases made outside the U.S.
Checked Sep 14, 2026
Capital One Spark Cash Select vs Other Capital One Cards
- Capital One Spark 1.5% Miles SelectNo annual fee
- Capital One Spark 2x Miles$95 / yr
- Capital One Spark Cash for Business$95 / yr (waived year 1)
- Capital One Venture Business$95 / yr
Related credit card guides
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Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
Capital One Spark Cash Select FAQs
Is the Capital One Spark Cash Select worth the annual fee?
Compare Capital One Spark Cash Select's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
Which benefits can Creddy track for Capital One Spark Cash Select?
Creddy's September 26, 2026 catalog check found no trackable benefit records for Capital One Spark Cash Select. That describes Creddy's tracking coverage, not the card's full rewards, insurance or issuer benefits. Review the earning tables and the exact issuer terms for those separate features.
What is the annual fee for the Capital One Spark Cash Select?
Creddy's catalog lists a $0 annual fee for Capital One Spark Cash Select as checked on September 26, 2026. Confirm current pricing and any additional-card fees with Capital One before applying or renewing.
Does the Capital One Spark Cash Select come with a welcome bonus?
Welcome offers for Capital One Spark Cash Select can change and may depend on your application or account history. Check Capital One's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the Capital One Spark Cash Select?
Capital One Spark Cash Select may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the Capital One Spark Cash Select compare to other Capital One cards?
Compare Capital One Spark Cash Select with other Capital One cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.