Capital One Visa Spark Cash Select - Cash Back Calculator

Spark Cash Select Business Visa

1.5% Cash Back

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.


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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.

Bonus Categories

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

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual 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.

and Card Value Calculator

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.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
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0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
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Page Last Updated: 2018-04-15

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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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