Capital One Spark Cash Select
By Alex Compton · Last verified
1.5% on everything for the business that wants zero overhead.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
700+
(Good to Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 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 ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-10 · spot an outdated offer? Report a correction above.
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Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 1.5xAll purchases
- 5xHotels and rental cars via Capital One Travel
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Free employee cards
- ✦0% intro APR window on purchases
- ✦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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