Spark Cash Select Business Visa
Calculate total cash back and the cash value of the Capital One Visa Spark Cash Select based on monthly/yearly spend and compare it against top cards.
The Spark Cash Select Business Visa is a 1.5% cash back, no annual fee Capital One business credit card. It's a great alternative to the Spark Cash Business Visa (2% Cash Back) for anyone that doesn't plan on spending over $19,000 per year on the card. It has no fees associated with it, offers an okay sign up bonus, and has a simple no-hassle rewards portal for using the cash back earned with the card.
The Capital One Spark Cash Select Business Visa Card does not have any bonus categories. Instead, it earns a flat rate of cash back per $1 spent. There is no limit to the amount of cash back you can earn with the Spark Cash Select.
1.5% All Purchases
The Spark Cash Select Business Visa earns 1.5% cash back per $1 spent on all purchases. There is no limit to the amount of cash back you can earning using this Spark Visa and the cash back earned will not expire as long as you have the card opened.
For anyone earning cash back, a 1.5% or higher cash back card is almost mandatory to maximize rewards. Most cash back cards with bonus categories earn 1% on non-category purchases, so being able to earn that extra 0.5% will add up over time. Unfortunately, all of Capital One's cash back cards earn at a flat rate, so you will not be able to form a power combo like you can with the Quicksilver and SavorOne or the Chase Ink Business Cash and the Chase Ink Business Unlimited. You can always jump earn Capital One Miles with the Spark Miles Visa Cards, but you will still be earning two different types of Capital One rewards.
Perks and Benefits
Visa Signature Business Benefits
The Visa Spark Cash Select offers quarterly and year-end summaries. It also comes with Visa Business Benefits which comes with auto rental collision damage waiver, purchase security and extended protection, travel and emergency assistance services and more. Their Visa Guide To Benefits lists all the specific details.
Sign Up Bonus
The standard Capital One Spark Cash Select Business Visa sign up bonus is a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening.
Credit Card Fees
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|Foreign Transaction Fee|
The Capital One Spark Cash Select Business Visa does not have an annual fee. You will always earn a 1.5% return on all purchases.
Authorized User Fee
There is no fee to add authorized users to the Spark Cash Select Business Visa. Adding employees, family, or friends can assist in building up your cash back rewards with Capital One.
Foreign Transaction Fee
As with all Capital One reward cards, there is no foreign transaction fee on purchases outside of the United States made on the Spark Cash Select Business Visa Card.
You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.
All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.
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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.
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