Capital One Spark Cash Select – 0% Intro APR for 12 Months

The Capital One Spark Cash Select - 0% Intro APR for 12 Months is a business travel card with a simple rewards structure. You can earn unlimited 1.5% cash back on all purchases and up to 5% cash back on hotels and rental cars booked through Capital One Travel. There is no annual fee and no foreign transaction fees. However, there is also no signup bonus. We dive into the details in this Spark Cash Select review.

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Our Rating
4.5/5.0

Welcome Offer
None

Annual Fee
$0

0% on Purchases
12 Months

Rewards Rate
1.5% to 5%

0% on Balance Transfers
None

Rewards

5% cash back

Hotels

Earn unlimited 5% cash back on hotels booked through Capital One Travel.

5% cash back

Rental Cars

Earn unlimited 5% cash back on 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, no limits or category restrictions.

Pros & Cons

Pros

• No annual fee
• No foreign transaction fee
• Up to 5% cash back

Cons

• No welcome bonus
• 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, Choose your due date, 24/7 customer service
Travel Perks	Airport Lounge Access, Roadside Assistance

Interest Rates & Fees

Annual Fee	$0
Foreign Transaction Fee	None
Regular APR	20.24% - 28.24% (V) APR

What Are the Best Alternatives?

Capital One Spark Cash Plus

Rating

4.8

Rewards Range

2% to 5%

Annual Fee

$150

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Capital One Spark Miles for Business

Rating

4.7

Rewards Range

2x

Annual Fee

$95

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Ink Business Unlimited® Credit Card

Rating

4.9

Rewards Range

1.5%

Annual Fee

$0

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