Capital One · Mastercard · business
Capital One Spark Cash Select (Spark 1.5% Cash Select)
No annual fee · 1.5% on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Everything else | 1.5% | uncapped |
| Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site |
5% | uncapped |
Non-cash perks
- 0% intro APR for 9 months on purchases (16.74%-26.74% variable APR after)
- Reports to personal credit bureaus (unlike Spark Cash Plus)
- Free employee cards and virtual cards
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
More from Capital One
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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.capitalone.com. Spot an error? Tell us.