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Capital One Spark Cash Select card
All-time highBusinessNo annual fee

Capital One Spark Cash Select

PerkSensei Desk · Last updated

Is this deal useful?

At a glance

Bonus
$750 cash bonus
To earn it
Spend $6,000 in 3 months
Annual fee
No annual fee
Credits
No statement credits
Apply by
No public end date stated

Terms and eligibility can change. Confirm the details with the issuer before you apply.

Biggest catches

  • One Capital One business bonus, roughly. Capital One says business bonuses may not be available to anyone who holds or has held any Capital One business card. If you already earned a Spark or Venture Business bonus, assume this one may not pay. capitalone.com
  • This business card shows up on your personal credit report. Doctor of Credit reports that most Capital One business cards report to the personal bureaus; only Spark Cash Plus and Venture X Business don't. The balance on this card can raise your personal utilization. doctorofcredit.com (third-party)
  • Every application pulls all three bureaus. Capital One pulls Experian, Equifax and TransUnion for each application, so one application costs an inquiry on every report. Plan it around other applications that are sensitive to inquiries. doctorofcredit.com (third-party)
  • One Capital One card per six months. Data points collected by Doctor of Credit show Capital One approving only one new card per six months. A second Capital One application soon after this one is likely to be denied. doctorofcredit.com (third-party)
  • Closing the account can forfeit rewards. Capital One's Spark Cash Plus page says unredeemed rewards may be lost when an account closes; assume the same here. Redeem or move cash back before closing. capitalone.com

Third-party report; not confirmed in the official offer terms we could retrieve. Details may be outdated or channel-specific. Verify the offer shown by the issuer before applying.

YMMV: approval and bonus eligibility are the issuer's decision.

Sensei's move

  1. Convert the cash back to miles

    Frequent Miler reports cash back from a Spark Cash card can be moved to a Venture, Venture X or VentureOne at one cent per mile; the reverse direction is blocked. With a Venture-family card, 1.5% cash back becomes 1.5 transferable miles per dollar.

    Still works as of Oct 17, 2026 · frequentmiler.com (third-party)

Third-party report; not confirmed in the official offer terms we could retrieve. Details may be outdated or channel-specific. Verify the offer shown by the issuer before applying.

Sensei's take

  • Fair churn
  • Keeper
  • Not for your travel wallet

$750 for $6,000 with no annual fee is a solid small-business bonus, but it likely uses up your one Capital One business bonus, so compare it with Spark Cash Plus and Venture Business first. With no fee there's no reason to close it, though it does report to your personal credit. It's a cash card; travel value only comes through converting to miles on a Venture-family card.

Our opinion, from the facts on this page as of Oct 17, 2026.

Weighing this card? Put it before the Money Court jury

How today's offer compares

Today
$750
Highest in 3 years
$750
Aug 2023 · $6,000 spend in 3 months
Cash bonus over time
  1. Aug 2023: $750, reported by Frequent Miler, highest in 3 years
  2. Nov 2023: $750, reported by Danny the Deal Guru, highest in 3 years
  3. Mar 2025: $500, reported by Doctor of Credit
  4. Jun 2026: $750, reported by Doctor of Credit, highest in 3 years
  5. Today: $750

Today's offer matches the highest public offer for this card in the last 3 years.

Frequent Miler: $750frequentmiler.comThird-party source

Third-party report; not confirmed in the official offer terms we could retrieve. Details may be outdated or channel-specific. Verify the offer shown by the issuer before applying.

Public offers anyone could apply for since Oct 2023, from the bonus-history sources we checked. Whether the first-year fee was waived isn't counted. Targeted and referral offers aren't compared.

Sources

Capital One Spark Cash Select official product pagecapitalone.comOfficial sourceChecked Oct 17, 2026

Terms can change. Spotted something out of date? Tell us and we'll recheck it against the provider's page.

Report outdated terms

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