Capital One Spark Cash Select for Business: Calculator & Rewards Breakdown
Fees
Earning Rates
- Earn an unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
- Earn an unlimited 1.5% cash back on every purchase with no minimums or expiration date
Main Benefits
- No foreign transaction fee
Our Take
Spark Cash Select Cash Back Calculator
Use this calculator to estimate how much your business can earn with the Spark Cash Select Card. Enjoy unlimited 1.5% back with no annual fee—perfect for flat-rate simplicity and predictable returns on business spending.
Card Details All links open in new tab (so you will not lose your calculations).
Edit Card Details
Edit Card Name
Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.
Quick Assign
Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.
Currency Codes
Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.
Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.
Currency Name
Add Status / Loyalty
You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.
If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.
NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.
Clear / Remove...
If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.
Card Select
Select the card you will use for this category.
Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.
Credit Cards
Capital One Spark Cash Select For Business Details
Earning Rates
The Spark Cash Select Business Card earns cash back at the following rates:
- 5% cash back on hotels and rental cars booked through Capital One's travel booking site.
- 1.5% cash back on all other purchases for your business, everywhere, no limits or category restrictions.
Key Benefits
Here are the main benefits of the Spark Cash Select Business Card:
- Travel & Purchase Coverage: Roadside Assistance and Extended Warranty.
Fees
Annual Fee
The Spark Cash Select Business Card does not have an annual fee.
If your business spends more than $19,200 per year ($1,600 per month), you'll want to consider the Capital One Spark Cash as you'll come out ahead, even with the annual fee.
If your business has a heavy spend of over $150K annually ($12,500 per month), then the Capital One Spark Cash Plus is the card you'll want. It has a whopping $150 annual fee, but that fee is reimbursed if you're able to spend $150K during the calendar year.
Authorized User Fee
There is no cost to additional users to the Spark Cash Select Card. Adding employees to the account can help you earn cash back for your business faster.
Foreign Transaction Fee
The Spark Cash Select Card has a 0% foreign transaction fee. That makes this a great card for any business that deals with international travel or spending.
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