Capital One Spark Cash Select – Full Review [2023]

Great Card If

• You prefer not to bother with bonus categories
• You want a card that offers a strong cash-back rate on all purchases
• You want a card with no annual fee

Don’t Get If

• You prefer a card that earns flexible rewards
• You want a card that offers bonus categories for the items you spend the most on

Capital One Spark Cash Select Card — Is It Worth It?

If you’re a business owner looking for a card that earns cash-back rewards on every purchase without an annual fee, the Capital One Spark Cash Select card could be a worthwhile option for you.

In addition to its uncapped 1.5% cash-back on all purchases, you’ll also receive 5% back on hotels and rental cars purchased through Capital One Travel, no-additional-fee employee cards, roadside assistance, and extended warranty coverage.

Card Protections

• Extended Warranty Coverage: Extend the factory warranties of eligible items purchased with your card
• Roadside Assistance: Take advantage of 24-hour toll-free dispatch to help with services like towing, fuel delivery, and more

Best Ways To Earn and Redeem Cash-back Rewards

If you want to earn as much cash-back as possible, you’ll want to use this card for every purchase you can since your 1.5% cash-back is uncapped. Even better, hotels and rental cars you book through Capital One Travel earn a compelling 5% cash-back.

You can then have your cash-back rewards deposited into a linked bank account, or use it as a statement credit to offset business expenses you’ve made with your card.

Alternative Cards to the Capital One Spark Cash Select Card

Capital One Spark Cash Plus Card

If you want to earn even more cash-back rewards on all of your purchases, and you are alright with paying an annual fee, then you’ll want to consider the Capital One Spark Cash Plus card.

With it, you’ll earn an uncapped 2% cash-back on all purchases and 5% cash-back on hotels and rental cars purchased through Capital One Travel. This card has a $200 annual bonus when you spend $200,000 on the card in a calendar year.

Ink Business Preferred® Credit Card

If you prefer to earn flexible rewards that are not limited to cash-back, then the Ink Business Preferred card is worth considering.

The Ink Business Preferred card earns 3x points on up to $150,000 in combined purchases on internet, cable, and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites.

Once you’ve earned those points, you can redeem them through the Chase travel portal with a 25% bonus, transfer them to one of the Chase transfer partners, or redeem for cash-back, gift cards, and more.

Plus the card offers perks including cell phone protection, purchase protection, trip cancellation insurance, and rental car insurance.

The information regarding the Capital One Spark Cash Select for Excellent Credit was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.