Spark 1.5% Cash Select
This card is for small businesses that want simple cash back without an annual fee. Every purchase earns 1.5% cash back, plus 5% on hotels and rental cars booked through Capital One Business Travel. New accounts can earn a $750 cash bonus after $6,000 in the first 3 months, and there is a 0% intro APR for 9 months. The caveat: the intro period is short, and after it the APR is 16.74% - 26.74% Variable.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- 0% intro APR for 9 months
- 5% on hotels and rental cars booked through Capital One Business Travel
- Annual fee: $0
- Regular purchase APR: 16.74% - 26.74% Variable
- Intro purchase APR: 0% for 9 months
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on September 30, 2026 and may change.
- You want business cash back without paying an annual fee.
- You can spend $6,000 in 3 months for the $750 bonus.
- You want a short 0% window on a planned business purchase.
- You should skip it if your business spends enough for a higher flat rate, such as Spark Cash Plus, to outweigh that card's annual fee.
Score guess
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Drag the dial to your best guess. Then see which cards people around that score got approved for.
A guess, not a credit check: nothing here touches your credit. Score ranges from FICO.
Your guess: 700
Approved at 670 to 739
Approval results for this card
26 results: 25 approved, 1 denied. An approval rate appears from 5 decided results.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | 670 to 739 | Experian | - | NY | Sep 2026 |
| Approved | 740 to 799 | Not sure | - | - | Aug 2026 |
| Approved | 740 to 799 | Not sure | $50k to $75k | NY | Dec 2025 |
See all 26 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.
