Capital One Spark Cash Select
By Alex Compton · Last verified
1.5% on everything for the business that wants zero overhead.
Welcome Bonus
$750
≈$750 value
Spend Requirement
$6,000
in 3 months
Annual Fee
$0
No FTF
Credit Score
700+
(Good to Excellent)
Current offer note: $750 cash bonus after $6,000 in purchases within 3 months; confirmed unchanged
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 4 tracked offers going back to 2021, nothing has beaten $750.
Current offer
$750
All-time high
$750
Typical offer
$750
In place since
January 2024
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $750 | $6,000 in 3 mo | Terms reconfirmed$750 cash bonus after $6,000 in purchases within 3 months; confirmed unchanged | Capital One Spark Cash Select product page → |
| 2026-06 | $750 | $6,000 in 3 mo | Terms reconfirmed$750 cash bonus | Archive record · no attached snapshot |
| 2024-01 | $750 | $6,000 in 3 mo | Bonus increased: $500 → $750 · Spend: $4,500 → $6,000$750 cash bonus | Archive record · no attached snapshot |
| 2021-01 | $500 | $4,500 in 3 mo | Earliest record$500 cash bonus | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
$750 after $6,000 in 3 months, 1.5% plus 5% Business Travel, $0 fee confirmed; intro APR is 9 months
Fields: benefits
Capital One Spark Cash Select product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 1.5xAll purchases
- 5xHotels and rental cars via Capital One Travel
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Free employee cards
- ✦0% intro APR on purchases for 9 months
- ✦No foreign transaction fees
Why it earns its spot
- +$750 bonus on a no-fee business card
- +Nothing to track, nothing to optimize
Where it costs you
- −1.5% trails the 2% business cards
- −No path to transferable miles
The Compound Verdict
The default business card for owners who refuse to think about credit cards. Take the $750, set autopay, and move on. Once monthly spend gets serious, the 2% Spark Cash Plus quietly out-earns it.
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