Capital One Spark Cash Select Business Visa Card Calculator

Review the perks & benefits of the Capital One Spark Cash Select Business Visa Card, calculate total cash back based on spend, and compare results.
Updated 2020-07-09 By Robert Flowers III

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.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

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.


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.

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 other rewards card side-by-side by clicking on the Compare A Card button.
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These cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Search for credit cards by name, rewards program, or rewards currency.
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Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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