Spark 1.5% Cash Select - Good Credit
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How we calculate effective rate →
The Spark 1.5% Cash Select - Good Credit from Capital One earns up to 1.5% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $0
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 1.5% back.
What does the Spark 1.5% Cash Select - Good Credit earn in each category?
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Spark 1.5% Cash Select - Good Credit compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Spark 1.5% Cash Select - Good Credit compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5% back | 1.5% Top category |
| Grocery Supermarkets and grocery stores | 1.5% back | 1.5% |
| Gas Gas stations and fuel | 1.5% back | 1.5% |
| Travel Flights, hotels, transit | 1.5% back | 1.5% |
| Other General everyday spend | 1.5% back | 1.5% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Spark 1.5% Cash Select - Good Credit?
The Spark 1.5% Cash Select - Good Credit fits spenders who put meaningful volume in dining and can earn 1.5% back. Best for spenders who put meaningful volume in dining and can earn 1.5% back.
Spark 1.5% Cash Select - Good Credit fits spenders who put meaningful volume in dining and can earn 1.5% back. Madeen ranks its dining effective rate higher than about 35% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1.5% back.
Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today.
Pros
- Strongest Madeen category is dining at about 1.5% effective (1.5% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Business card — rewards and liability rules differ from consumer cards.
Does the Spark 1.5% Cash Select - Good Credit have an annual fee?
The Spark 1.5% Cash Select - Good Credit has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Spark 1.5% Cash Select - Good Credit?
The Spark 1.5% Cash Select - Good Credit includes Extended Warranty, Roadside Assistance in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended Warranty
$10,000/yrGet free additional warranty and protection on eligible items that you purchase with your card.
Roadside Assistance
$50/yrOur business credit cards offer services to help you during auto-related emergencies, such as jump-starting, tire changing and towing.
Related encyclopedia topics
Common questions about the Spark 1.5% Cash Select - Good Credit
What credit score is needed for a Spark card?
Madeen's catalog lists a typical credit range of Good for the Spark 1.5% Cash Select - Good Credit. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
Does the Spark 1.5% Cash Select - Good Credit have an annual fee?
The Spark 1.5% Cash Select - Good Credit carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Spark 1.5% Cash Select - Good Credit?
Dining is the strongest Madeen category for the Spark 1.5% Cash Select - Good Credit at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Spark 1.5% Cash Select - Good Credit charge foreign transaction fees?
The Spark 1.5% Cash Select - Good Credit does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the Spark 1.5% Cash Select - Good Credit?
Madeen's catalog lists a typical credit range of Good for the Spark 1.5% Cash Select - Good Credit. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Spark 1.5% Cash Select - Good Credit?
Rewards on the Spark 1.5% Cash Select - Good Credit post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Spark 1.5% Cash Select - Good Credit compare to similar cards?
Compare the Spark 1.5% Cash Select - Good Credit against Pottery Barn Key Rewards Visa (4% on Dining, $0 fee); SavorOne Dining Rewards (4% on Dining, $95 fee); The Key Rewards Visa (4% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Spark 1.5% Cash Select - Good Credit This card | Dining | 1.5% | $0 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $95 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $0 |
Side-by-side comparisons
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Capital One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Capital One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure