The Capital One Spark Cash Select Business Visa is flat rate 1.5% cash back earning card with no annual fee. It's the best alternative to the Spark Cash Business Visa for those who plan on running less than $19,000 in yearly spend across these cards. The Spark Cash Select has no authorized user fee and no foreign transaction fee which makes it great for earning rewards on employee spend as well as international purchases and travel. Anyone looking to earn rewards with an easy to understand and straightforward rewards programs would benefit from the Spark Cash and Spark Miles program.
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Bonus Categories
The Spark Cash Select is a flat rate earning cash back card so it does not feature any bonus categories. There's no limit to the amount of cash back you can earn with the card and the cash back you earn will not expired as long as you have at least one Capital One cash back credit card tied to your account.
1.5% All Purchases
The Spark Cash Select will earn you 1.5% cash back per $1 spent on all purchases. This is a solid option for anyone looking to earn cash back at a flat rate with no annual fee. Capital One does not offer anything outside of flat rate earning business cards, so anyone looking to earn more will have to search elsewhere.
There's several alternatives that can net you a little more bang for you buck. If you're looking to avoid annual fees, the AMEX Blue Business Cash Card is a great alternative to the Spark Cash Select. It earns 2% cash back on the first $50,000 in purchases, then 1% for the remainder of the calendar year. Those who spend less than $100,000 per year will earn more with the AMEX Blue Business Cash Card... though if you're spending that much you'll want to consider picking up the Spark Cash Business Visa as you would earn a better even with the annual fee.
Chase offers even more opportunity to earn solid rewards with business cards. The Chase Ink Business Unlimited earns 1.5% cash back on all purchases and can be paired with the Chase Ink Business Cash which earns 5% cash back on office supply, phone, internet, and cable purchases along with 2% cash back on gas and restaurant or the Chase Ink Business Preferred which earns triple Ultimate Rewards Points on travel, shipping, internet, cable, phone, and advertising purchases for an easy return of at least 3.75%.
Perks & Benefits
The Spark Cash Select does not feature any card specific perks, but it does offer both Capital One Business benefits as well as Visa Business benefits. This grants you:
- Year-End Summaries
- Purchase Records w/ Export To Quicken, Quickbooks, and Excel
- Free Employee Cards
- Ability To Assign Account Managers
- Extended Warranty
- Purchase Protection
- Card Lock
- Rental Collision Coverage
- Travel Assistance
I recommend glancing at the Capital One Visa Business Signature Card Benefits Guide in order to get an idea of all the perks Visa offers on their Capital One Visa Business Cards.
Sign Up Bonus
The standard sign up bonus for the Spark Cash Select is a one-time bonus of $200 after spending $3,000 on the card within the first 3 months from account opening which is a decent sign up bonus. A higher standard sign up bonus of $500 and occasionally special promotional bonus of $2,000 can be obtained with the Spark Cash Business Visa.
Fees
Annual Fee
There is no annual fee for the Spark Cash Select. All spend that is ran through this card will always earn a return of 1.5% without worrying about meeting any type of spend goal to make sure the fee is worth it.
Authorized User Fee
The Spark Cash Select has a $0 authorized user fee. This means you can add employees (or family/friends) to the card without being charged. If you're looking to earn cash back faster, adding users is a great way of doing so.
Foreign Transaction Fee
As per the usual with all Capital One credit cards, the Spark Cash Select has no authorized user fee. This means you will not be charged for international spend ran through the card. That makes this a decent option for any type of international purchases as well as international travel.
Rewards Calculator
You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.
Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.
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