Spark 1.5X Miles Select
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.
How we calculate effective rate →
The Spark 1.5X Miles Select from Capital One earns up to 0.8% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 0.8%
- 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 1.5X Miles Select earn in each category?
Dining is the strongest category at 0.8% effective value (1.5% back). That dining rate ranks higher than about 1% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Spark 1.5X Miles Select compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0.8% effective value (1.5% back). That dining rate ranks higher than about 1% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Spark 1.5X Miles Select compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5% back | 0.8% Top category |
| Grocery Supermarkets and grocery stores | 1.5% back | 0.8% |
| Gas Gas stations and fuel | 1.5% back | 0.8% |
| Travel Flights, hotels, transit | 1.5% back | 0.8% |
| Other General everyday spend | 1.5% back | 0.8% |
Madeen values cash back at about 0.5 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 1.5X Miles Select?
The Spark 1.5X Miles Select 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 1.5X Miles Select fits spenders who put meaningful volume in dining and can earn 1.5% back. Madeen ranks its dining effective rate higher than about 1% 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 0.8% 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 1.5X Miles Select have an annual fee?
The Spark 1.5X Miles Select 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 1.5X Miles Select?
The Spark 1.5X Miles Select includes Car Rental Insurance, Extended Warranty, Global emergency services 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.
Microsoft Advertising
$300/yrGrow your business and attract more customers with $300 in advertising credit after spending only $150 with Microsoft Advertising. Offer expires on 7/31/2026.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Melio
$100/yrPaying your business bills has never been simpler — or more rewarding. Get up to $100 in fee credits when you pay with Melio. Offer expires on 7/31/2027.
Roadside Assistance
$50/yrOur business cards offer services to help you during auto-related emergencies, such as jump-starting, tire changing and towing.
Rental Collision Coverage
$25/yrWith your Spark card, you’re covered for any damage or theft that may happen when you rent an eligible car.
Car Rental Insurance
$10/yrReimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Instacart Business
$10/yrFuel your business with same-day delivery of snacks, supplies and more. Enjoy $0 delivery fees* with three free months of Instacart+ and $20 off your second order each month. Offer expires on 1/31/2027.
Intuit® QuickBooks® Online and QuickBooks Online Payroll
$10/yrSave 30% on QuickBooks Online, QuickBooks Solopreneur or QuickBooks Online Payroll for 12 months.
Intuit® TurboTax®
$10/yrSave 20% on the TurboTax solution that best fits your small business needs and can help get your best possible tax outcome.
Related encyclopedia topics
Common questions about the Spark 1.5X Miles Select
What are the benefits of spark miles select?
Dining is the strongest Madeen category for the Spark 1.5X Miles Select at about 0.8% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
What is the credit limit for spark miles?
Dining is the strongest Madeen category for the Spark 1.5X Miles Select at about 0.8% 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 1.5X Miles Select have an annual fee?
The Spark 1.5X Miles Select 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 1.5X Miles Select?
Dining is the strongest Madeen category for the Spark 1.5X Miles Select at about 0.8% 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 1.5X Miles Select charge foreign transaction fees?
The Spark 1.5X Miles Select 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 1.5X Miles Select?
Madeen's catalog lists a typical credit range of Excellent for the Spark 1.5X Miles Select. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Spark 1.5X Miles Select compare to similar cards?
Compare the Spark 1.5X Miles Select 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 1.5X Miles Select This card | Dining | 0.8% | $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
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
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