Current offer
Earn $750 cash back
After spending $6,000 in the first 3 months from account opening. In addition, enjoy 0% intro APR on purchases for 9 months, then a 16.74%–26.74% variable APR. Offer terms apply.
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See how this card stacks up side by side.
Current offer
Earn $750 cash back
After spending $6,000 in the first 3 months from account opening. In addition, enjoy 0% intro APR on purchases for 9 months, then a 16.74%–26.74% variable APR. Offer terms apply.
The point.me verdict
The Capital One Spark Cash Select earns 1.5% back on everything with no cap and no annual fee, and its real edge is converting that cash back into transferable Capital One miles if you hold an eligible Venture card. Heavy spenders may regret skipping a card that earns 2x for as little as $95.
What we love
- $0 annual fee
- 1.5% unlimited cash back on everything, no cap
- Cash back convertible to transferable Capital One miles with an eligible Venture card
What we don't
- Needs an eligible Venture card to unlock transferability; otherwise just a cash-back card
- Heavy spenders miss the 2x a low-fee card would earn
Rewards on this card
- 5%Hotels booked through Capital One Business Travel
- 5%Rental cars booked through Capital One Business Travel
- 1.5%All eligible purchasesNo limits or category restrictions
See what you’d earn
Set your monthly spend to see what you’d earn in year one, and what it’s worth.
Assumes caps apply per year and capped spend falls back to the base rate.
$840 cash back/yr