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You are here: Home / Credit Cards / Capital One Spark Cash Select – $500 Cash Bonus

Capital One Spark Cash Select – $500 Cash Bonus

March 1, 2023 by Rob Berger

The Capital One Spark Cash Select - $500 Cash Bonus is a cash back card offering 1.5% on all purchases and a welcome bonus. This card is ideal for business owners who want a simple hassle-free rewards program that offers a high rewards rate. You can also earn 5% cash back on hotels and rental cars when you book through Capital One as well, and there are no limits on rewards. There’s no annual fee, so this is a great choice when it comes to straightforward business credit cards. We dive into the details and your approval odds in this Spark Cash Select review.

Capital One Spark Cash Select - $500 Cash Bonus
Learn More
Our Rating
4.7/5.0
Welcome Offer
$500
Annual Fee
$0
0% on Purchases
None
Rewards Rate
1.5% - 5%
0% on Balance Transfers
None

Rewards

5% cash back
Hotels
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
5% cash back
Rental Cars
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
1.5% cash back
All eligible purchases
Earn unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions.

Welcome Bonus

Earn $500 cash back when you spend $4,500 on purchases within the first 3 months from account opening.

Pros & Cons

Pros
  • Welcome offer
  • No annual fee
  • No foreign transaction fee
Cons
  • Requires good credit

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Virtual Card Numbers, Card Lock
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsExtended Warranty Coverage
Travel PerksAirport Lounge Access, Roadside Assistance

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR17.49% - 23.49% (V) APR

What Credit Score Is Required to Get the Spark Cash Select?

Based on data we’ve collected from public forums, a credit score of 700 or higher is ideal. We have seen an approval with a score as low as 653, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.

App StatusDateCredit ScoreBureauCredit Limit
Approved12/23/2021
695
TransUnion
$5,000
Approved07/22/2022
750
Not Provided
$20,000
Approved12/23/2021
653
Equifax
$5,000
Approved12/23/2021
697
Experian
$5,000
Denied07/16/2022
755
Equifax
---

What Are the Best Alternatives?

Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card

Rating

4.9

Rewards Range

1.5%

Annual Fee

$0

Read Review
Capital One Spark Miles for Business
Capital One Spark Miles for Business

Rating

4.7

Rewards Range

2x

Annual Fee

$95

Read Review
American Express Blue Business Cash™ Card
American Express Blue Business Cash™ Card

Rating

4.6

Rewards Range

1% - 2%

Annual Fee

$0

Read Review

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About Rob Berger

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.

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About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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