Spark Cash Select
The revolving-credit sibling to Spark Cash Plus: a real credit line instead of a charge-card structure, a lower flat rate, but no annual fee and no foreign transaction fee.
Spark Cash Select at a glance
Issued by Capital One. Terms and rates subject to change — confirm before applying.
The facts
- Annual fee
- $0
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~18–26%
- Intro APR
- 0% on purchases for 12 months
- Foreign transaction fee
- None
Rewards
Unlimited 1.5% cash back on every purchase
Intro offer
Cash bonus after minimum spend in the first 3 months
Spark Cash Select's annual fee vs. the cheapest and priciest cards on the marketplace
Spark Cash Select vs. similar Cash back
| Criterion | Spark Cash Select | Ink Business Unlimited® | Ink Business Cash® |
|---|---|---|---|
| Annual fee | $0 | $0 | $0 |
| Regular APR | Variable, ~18–26% | Variable, ~18–24% | Variable, ~18–24% |
| Foreign transaction fee | None | 3% | 3% |
| Credit needed | Good/Excellent | Good/Excellent | Good/Excellent |
Same category, side by side — the right pick depends on which of these differences actually matches how your business spends.
Spark Cash Select charges no foreign transaction fee, but that's not universal in its category — some cards with a similar rewards structure add 2.7-3% on every international charge. If you're comparing cards, confirm this line specifically; it's easy to overlook next to the headline rewards rate.
Pros
- +No annual fee
- +Carries a balance if needed, unlike the charge-card Spark options
- +No foreign transaction fee
Cons
- −1.5% rate is lower than the fee-based Spark Cash Plus
- −Has a preset credit limit
Spark Cash Select has no annual fee, requires good/excellent credit, and offers 0% on purchases for 12 months as an intro APR. Compare these against your spending patterns — the fee only makes sense if the rewards exceed it.
Who this card is best for
A revolving-credit alternative to Spark Cash Plus with no annual fee
We don't have a partnership with Capital One — the link above goes straight to their official page with no tracking or referral code. Rates and offers are set by the issuer and change over time; confirm current terms before applying.