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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

Earn $750 after spending $6,000 within the first 3 months.

Bonus Value

Approximately $750

Annual Fee

$0

Card Rewards

5% cashback on hotels and car rentals booked through Capital One Travel

Unlimited 1.5% cashback on all purchases

Add to compare

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Author - Sam Updated: February 26, 2024 | Credit Card Review
Card Overview

The card_name is the non-annual fee version of the Spark family. It offers 1.5% cashback on all purchases plus many great benefits like auto rental insurance, extended warranty protection, and more.

Card-Smart Tips & Advice
  • Recommended credit: Excellent credit is usually needed
  • Step by step guide how on to apply without an LLC or C-Corp
  • Reported on personal credit reports: Capital One business credit cards get reported on your personal credit report
  • Credit bureau: Capital One will usually pull your Experian, Transunion, and Equifax credit reports
  • If you freeze one credit bureau you can still get approved
  • Combining same-day credit inquiries:¬†Credit inquiries for same-day applications will be combined. Note, Capital One will only approve you for one credit card application within every six months. (Combining credit inquiries will only make a difference when declined for your first try and you want to try a new one)
  • Check application status: You can¬† check your application status by calling 1 800 903 9177 or 1 877 277 5901
  • Reconsideration:¬†If declined you can call 1 800 625 7866 to be reconsidered (Capital One will usually only reconsider an application due to application error)
  • Quickest way to get my card: Your new card will be available in your Capital One app immediately after you get approved (you might need the 3 digit security code on the back of your card to access it, which means you must wait for your physical card to arrive). Capital One physical credit cards cannot be expedited, only sometimes for replacement cards for a fee

Approval Monitor (submitted by HelpMeBuildCredit users)

85% Approved
750 Avg. Score of those approved
15% Denied
Approved 85% (22)
Denied 15% (4)

Credit limit range $50-$30,000

Avg. Credit limit$10,228

Approved 85% (22)
Denied 15% (4)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

HelpMeBuildCredit credit ranges are a variation of FICO¬ģÔłŹ Score 8, one of many types of credit scores lenders may use when considering your credit card application

Welcome Offer Eligibility
The welcome bonus may not be available for existing or previous Spark cardholders.
Card Details And Benefits
Auto Rental Collision Insurance

Worldwide secondary coverage for collision damage and theft on rentals for business purposes. Coverage is for rentals up to 31 days. Covers vehicle with MSRP up to $50,000.

Cell Phone Protection

Get reimbursed for up to $800 per claim (with a $50 deductible) if your cell phone breaks or gets stolen. To activate coverage, you need to pay your monthly cell phone bill with your SparkCash Select Business credit card. Max $1,000 or 2 claims per year.

Extended Warranty Protection

Get one additional year to your original manufacturer’s warranty time. (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim, $50,000 per cardholder.

Lost Luggage Reimbursement

Get up to $3,000 per person for lost luggage. Max $2,000 per bag for NY residents.

Price Protection

If you buy an item and then within 60 days find the identical item for cheaper at any US retailer, then you will be reimbursed the difference. Up to $500 per item and up to $2,500 per year.

Purchase Protection

Get refunded if your purchase is damaged or stolen, up to 90 days from the date of purchase. Max $10,000 per claim, $50,000 per cardholder.

Travel Accident Insurance

Get coverage if you, G-d forbid, die in an accident while traveling or lose a limb, sight, speech, or hearing (on common carriers). Receive up to $250,000 in compensation.

How can the points be used?
Cashback:

The points can be redeemed as cashback for 1 penny per point.

Transfer to airline and hotel programs:

If you only have the Spark Cash Select card then you cannot transfer your points to any partners.

But if you also have a Capital One Miles card, such as the: card_name, card_name, card_name, card_name, or the Capital One Spark Miles Select Business Card, then you can transfer your points to one of these cards and then transfer your points to any of the following airline or hotel partners.

Airline partners:

  Transfer Ratio  Transfer time
Aeromexico, Club Premier 1:1 Instant
Air Canada, Aeroplan 1:1 Instant
Air France KLM, Flying Blue 1:1 Instant
Avianca, Lifemiles 1:1 Instant
British Airways, Executive Club 1:1 Instant
Cathay Pacific, Asia Miles 1:1 5 business days
Emirates, Skywards 1:1 Instant
Etihad Guest 1:1 24 hours
EVA Infinity, MileageLands 2:1.5 36 hours
Finnair Plus 1:1 Instant
Qantas, Frequent Flyer 1:1 24 hours
Singapore Airlines, KrisFlyer 1:1 36 hours
TAP Portugal, Miles&Go 1:1 Instant
Turkish Airlines, Miles&Smiles 1:1 Instant

Hotel partners:

  Transfer Ratio  Transfer time
ALL Accor  2:1 1 business day
Choice Privileges 1:1 Transfers will not be available until later on this year
Wyndham Rewards 1:1 Instant

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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