Does the Capital One Spark Cash Select for Excellent Credit have an annual fee?

No. Our record lists a $0 annual fee for the Capital One Spark Cash Select for Excellent Credit.

Is the Capital One Spark Cash Select for Excellent Credit worth it in the first year?

Using our illustration ($12,000 of yearly spending), the first year comes out around $180 before credits, including a welcome bonus valued at $0. Year two drops to about $180 before credits.

What credit do I need for the Capital One Spark Cash Select for Excellent Credit?

Our record lists "Excellent" credit as the typical target for the Capital One Spark Cash Select for Excellent Credit. As a business card, the application also asks about the business. Capital One makes the final decision based on its own criteria.

Capital One Spark Cash Select for Excellent Credit

Capital One

No Annual Fee

Annual Fee

visaExcellentno-annual-feetransferable6 months ago

Welcome Offer

No Welcome Offer

Check issuer terms ↗

OpenCard analysis

Is the Capital One Spark Cash Select for Excellent Credit right for you?

The Capital One Spark Cash Select for Excellent Credit is a no-annual-fee business cash-back card from Capital One. It earns a flat 1.5% on purchases. With no fee, it only needs to beat the flat rate your current card already pays.

Who it's for

✓ Business owners who want business spending on its own card
✓ Anyone who wants flat-rate rewards without paying an annual fee
✓ People who want one rate (1.5%) everywhere without tracking categories

Who should skip it

— Applicants without a business or business income
— Applicants with fair or limited credit — the issuer targets excellent credit

First-year value estimate

Welcome bonus

Rewards on spending

$180

Annual fee (year 1)

−$0

Year 1, before credits

$180

Year two, without the welcome bonus: about $180 before credits ($180 in rewards minus the $0 fee).

Assumptions

$12,000 a year of purchases at 1.5%, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
No welcome bonus is listed in our record, so none is counted.
No annual fee in any year.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-16.

How it compares

American Express Blue Business Cash →

American Express, same $0 annual fee; earns 2% on everything.

Bank of America Business Advantage Unlimited Cash Rewards Mastercard →

Bank of America, same $0 annual fee; earns 1.5% on everything.

TD Business Solutions →

TD Bank, same $0 annual fee; earns 2% on everything.

Compare side by side →

Rules and gotchas

The welcome bonus requires $6,000 in 3 months — roughly $2,000 a month. That's more than the $1,000 a month in our illustration, so the bonus assumes about $1,000 a month of extra spending.

Frequently asked questions

Does the Capital One Spark Cash Select for Excellent Credit have an annual fee?: No. Our record lists a $0 annual fee for the Capital One Spark Cash Select for Excellent Credit.
What does the Capital One Spark Cash Select for Excellent Credit earn?: A flat 1.5% on purchases.
Is the Capital One Spark Cash Select for Excellent Credit worth it in the first year?: Using our illustration ($12,000 of yearly spending), the first year comes out around $180 before credits, including a welcome bonus valued at $0. Year two drops to about $180 before credits.
What credit do I need for the Capital One Spark Cash Select for Excellent Credit?: Our record lists "Excellent" credit as the typical target for the Capital One Spark Cash Select for Excellent Credit. As a business card, the application also asks about the business. Capital One makes the final decision based on its own criteria.