Capital One Spark Cash Select
Capital One · MASTERCARD
The Capital One Spark Cash Select is a credit card from Capital One on the MASTERCARD network. It has an annual fee of $0. It earns 5% on travel, 1.50% on everything else. The welcome offer is Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening.
Key facts
- Annual fee
- $0
- Credit needed
- Excellent
- Network
- MASTERCARD
- Welcome offer
- Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Travel | 5% | Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel |
| Everything else | 1.50% | Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions |
Benefits and perks
- Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- Enjoy a 0% APR for the first 9 months of opening
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Rewards won’t expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
- Top rated mobile app
Rates and fees
Annual membership fee: $0.
Rates and fees as published by the issuer and recorded on 6 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the Capital One Spark Cash Select
What is the annual fee on the Capital One Spark Cash Select?
The Capital One Spark Cash Select has an annual fee of $0.
What rewards does the Capital One Spark Cash Select earn?
The Capital One Spark Cash Select earns 5% on travel, 1.50% on everything else.
What credit score do you need for the Capital One Spark Cash Select?
The Capital One Spark Cash Select is generally listed for applicants with excellent credit. Approval also depends on income and the issuer's own criteria.
Is the Capital One Spark Cash Select worth it?
The Capital One Spark Cash Select is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
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