Capital One Spark Cash Select (Spark 1.5% Cash Select)
No annual fee · 1.5% on everything else · no foreign transaction fees
Earn rates · how we got this
| 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? · how we got this
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.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who doesn't spend at the issuer's travel portal. Its largest printed rate, 5% on issuer travel portal, pays only at the issuer's travel portal. Elsewhere in that category the card earns 5%, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
More from Capital One
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.