Rewards
Welcome Bonus
Earn $500 cash back when you spend $4,500 on purchases within the first 3 months from account opening.
Pros & Cons
- Welcome offer
- No annual fee
- No foreign transaction fee
- Requires good credit
Features & Benefits
Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Virtual Card Numbers, Card Lock |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
Benefits | Extended Warranty Coverage |
Travel Perks | Airport Lounge Access, Roadside Assistance |
Interest Rates & Fees
Annual Fee | $0 |
Foreign Transaction Fee | None |
Regular APR | 17.49% - 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 Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 12/23/2021 | TransUnion | ||
Approved | 07/22/2022 | Not Provided | ||
Approved | 12/23/2021 | Equifax | ||
Approved | 12/23/2021 | Experian | ||
Denied | 07/16/2022 | Equifax |
What Are the Best Alternatives?

Ink Business Unlimited® Credit Card
Rating
4.9
Rewards Range
1.5%
Annual Fee
$0

Capital One Spark Miles for Business
Rating
4.7
Rewards Range
2x
Annual Fee
$95

American Express Blue Business Cash™ Card
Rating
4.6
Rewards Range
1% - 2%
Annual Fee
$0