Costs & Pricing

Metric	Spark 1.5% Cash Select	Ink Business Cash® Credit Card
Annual fee	$0	$0
Employee card fee	$0	$0
Purchase APR	16.74%–26.74% variable after intro (based on creditworthiness)	16.74%–24.74% variable (Prime + 9.99% to +17.99%; max 29.99%; Prime 6.75% as of 2/3/2026 pricing box)
Intro APR (purchases)	0% for 9 months, then 16.74%–26.74% variable	0% fixed for first 12 months the account is open (lost if minimum payment missed; Default APR then applies)
Foreign transaction fee	$0	3%
Late payment fee	Not disclosed on public product page (aggregators: up to $39; cash-back hub footnote mentions 2.99% — unresolved)	$40

Rewards & Value

Metric	Spark 1.5% Cash Select	Ink Business Cash® Credit Card
Base earn rate	Unlimited 1.5% cash back on every purchase (no category restrictions)	1% cash back on eligible purchases (1 Ultimate Rewards point per $1; unlimited)
Welcome bonus	$750 cash after $6,000 purchases in first 3 months	$1,000 bonus cash back after $8,000 purchases in the first 4 months (Chase labels this “OUR BEST OFFER EVER”; prior $750 struck through; posts 6–8 weeks after qualifying)
Redemption value	Face-value cash (statement credit or check); any amount; does not expire while account is open	1¢ per point for cash, gift cards, and Chase Travel. Other paths may be worth more or less. Do not assume transfer value unless paired with a transferable UR card.
Transfer partners	Cash itself does not transfer. If you also hold a Capital One miles card, cash can convert at 1¢ = 1 mile (widely documented; not on the Select product page).	Not native. Points can be moved to another Ultimate Rewards card belonging to you, a household member, or a company owner. Airline/hotel transfers only after combining onto Ink Preferred, Sapphire Preferred/Reserve, or Sapphire Reserve for Business.

Credit & Eligibility

Metric	Spark 1.5% Cash Select	Ink Business Cash® Credit Card
Personal guarantee	Not quoted on product page; market practice = required for Capital One small-business revolving cards	Required — Chase states Ink cards require joint and several liability of the individual cardmember and the business
Credit check	Hard pull on apply (commonly all three bureaus). Pre-approval advertised as no impact to personal score.	Hard pull on the owner/guarantor (SSN required; not printed as “hard pull” on the product page)
Employee cards	Free; custom spend limits; card lock; account-manager role (primary remains liable)	Unlimited number at $0 extra fee (no published numeric cap). Individual spend limits, lock/unlock, alerts. Same liability pool.
Product type	Revolving business credit card (fixed credit line)	Revolving business credit card

Pros & Cons

Spark 1.5% Cash Select

Pros

• $0 annual fee; unlimited 1.5% cash back with no category tracking
• Live $750 / $6,000 / 3-month welcome bonus
• 9-month 0% intro APR on purchases
• $0 foreign-transaction fee; free employee cards that earn the same rate
• Cash back never expires while the account is open; redeem any amount

Cons

• 1.5% trails 2% flats and category-heavy Ink/Amex products at scale
• 5% travel only inside Capital One Business Travel; no lounge/GE credits
• Balance transfers not available
• Revolving Spark cards commonly report to personal credit
• Excellent-credit bar; full Schumer (late fee, penalty APR) not on the public product page

Ink Business Cash® Credit Card

Pros

• $0 annual fee with 5%/2%/1% structure and a $1,000 / $8,000 / 4-month public bonus as of Sept 2026
• 12-month 0% intro APR on purchases (lost only if a minimum payment is missed)
• Employee cards $0; AU spend earns rewards and counts toward the bonus and category caps
• Cash back is Ultimate Rewards points and combinable with a transferable Chase card
• Primary business rental-car coverage up to $60,000 and solid purchase/extended-warranty terms for a no-fee card

Cons

• Bonus categories cap at $25k each per anniversary year, then 1%
• 3% foreign-transaction fee
• Base rate 1% loses to flat 1.5–2% cards outside the bonus buckets
• Personal guarantee + personal hard pull + commonly reported 5/24 filter
• Welcome bonus blocked if you ever had this card or another $0-AF Chase business card; no cell-phone protection, lounges, or TSA credit

Verdict

Spark 1.5% Cash Select

Spark Cash Select is the clean no-fee 1.5% Capital One option — plus a $750 bonus and 9 months of 0% on purchases. It is not Spark Cash Plus (NPSL, $150) and not Classic (fair credit, 1%). Best as a simple daily driver or year-1 0% tool; once annual spend is high enough that a 2% flat or category card wins, move the volume.

Ink Business Cash® Credit Card

Ink Cash is the category SKU in the $0-AF Ink pair — not Unlimited (flat 1.5%) and not Preferred ($95, 3x ads/shipping/travel, $0 FTF, native transfers). It wins when office supplies and phone/internet/cable bills (plus some gas and dining) sit under two separate $25k anniversary caps. Pair it with Unlimited or Preferred rather than using it as an uncapped daily driver. Skip it for foreign spend, ad-heavy businesses, no-PG underwriting, or if a prior Ink Unlimited/Cash card already burned the $0-AF bonus.