Capital One Spark Cash Select
$0/mo est.
- Card type
- Revolving credit
- Purchase APR
- 16.74%, 22.74% or 26.74%
- FX fee
- None
- Personal guarantee
- Not published at source
- Minimum to apply
- Not published at source
- Est. fees /mo
- $0/mo
Capital One
Card issuer compared here for its Spark Cash cards, which pay flat cash back and charge no foreign transaction fees.
Best for
Businesses that spend in foreign currencies and want flat cash back without tracking categories.
Capital One business credit cards
All prices in USDSourced from provider's published pricing
Every Capital One card we compare, side by side. Approval and your rate are decided by the issuer.
Fees only, at 5 cardholders and no foreign spend: the annual fee spread monthly, plus any software charged per cardholder. Excludes interest.
Capital One Spark Cash
$7.92/mo est.
- Card type
- Revolving credit
- Purchase APR
- 24.49%
- FX fee
- None
- Personal guarantee
- Not published at source
- Minimum to apply
- Not published at source
- Est. fees /mo
- $7.92/mo
Capital One Spark Cash Plus
$12.50/mo est.
- Card type
- Charge + pay over time
- Purchase APR
- 25.74%
- FX fee
- None
- Personal guarantee
- Not published at source
- Minimum to apply
- Not published at source
- Est. fees /mo
- $12.50/mo
Strengths and trade-offs
Pros
- No foreign transaction fees on any Spark Cash card
- Flat cash back on every purchase, with no categories to track
- Sole proprietors can apply using an SSN
- Free employee cards across the Spark Cash range
Cons
- Spark Cash charges an annual fee after its first year
- Spark Cash Plus is designed to be paid in full, and carrying a balance on it costs interest
- Personal liability, the network and the issuing bank are not published on the pages read
- The issuer describes typical cardholders as having excellent personal credit
About Capital One
Capital One offers a range of small-business cards. We compare its Spark Cash cards: Spark Cash Select and Spark Cash, which are revolving credit cards, and Spark Cash Plus, a charge card designed to be paid in full with an option to carry part of the balance over time with interest. Every one of them pays flat cash back on every purchase and states that it charges no foreign transaction fees.
The fees differ in shape. Spark Cash Select has no annual fee. Spark Cash waives its annual fee in the first year and charges it after that. Spark Cash Plus charges an annual fee that is refunded in any year your net purchases reach a published threshold, and it has no preset spending limit.
The application asks for the owner's Social Security number and personal details to establish creditworthiness, and may be declined if there is a freeze with the credit bureaus. Sole proprietors can apply using an SSN. The pages read do not state whether the owner is personally liable for the debt, which network the cards run on, which bank issues them, or whether activity is reported to personal credit.
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