Costs & Pricing

Metric	Spark 1.5% Cash Select	First Federal Community Bank Business Zero+ Card
Annual fee	$0	$0 (ongoing; Elan product suite + Horizon Zero+ + WalletHub FFCB listing 11 Aug 2026)
Employee card fee	$0	$0 (no fee for additional employee cards)
Purchase APR	16.74%–26.74% variable after intro (based on creditworthiness)	0% intro for first 18 billing cycles, then 16.24%–25.24% variable based on creditworthiness at opening (varies with WSJ Prime). Horizon Bank official Zero+ disclosure; WalletHub assigns the same band to this cobrand. With Prime 6.75% (WSJ, 2 Sep 2026) implied margins ≈ Prime + 9.49% to Prime + 18.49%. First Federal does not post its own public Schumer box — confirm live box at apply.
Intro APR (purchases)	0% for 9 months, then 16.74%–26.74% variable	0% for first 18 billing cycles from account opening, then assigned purchase APR. Does not apply to cash advances. Intro can end early if late payment, returned payment, or overlimit (standard Elan sibling language).
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)	WalletHub max $41 (11 Aug 2026). Older Elan PDFs said up to $39. Treat $41 as aggregator; confirm live box.

Rewards & Value

Metric	Spark 1.5% Cash Select	First Federal Community Bank Business Zero+ Card
Base earn rate	Unlimited 1.5% cash back on every purchase (no category restrictions)	None on ordinary purchases. Program rules: Cash Rewards are not earned for any Purchases other than prepaid air / car / attractions / hotel booked via the Rewards / Travel Center.
Welcome bonus	$750 cash after $6,000 purchases in first 3 months	None. Official Elan Zero+ Business copy and WalletHub: no initial rewards bonus.
Redemption value	Face-value cash (statement credit or check); any amount; does not expire while account is open	Cash back at 1¢ per 1% via statement credit or deposit to a checking/savings account at this Financial Institution only. Rewards Card value may vary. Do not treat 5% as travel-category MCC. Do not assume 1% on other spend.
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 offered

Credit & Eligibility

Metric	Spark 1.5% Cash Select	First Federal Community Bank Business Zero+ Card
Personal guarantee	Not quoted on product page; market practice = required for Capital One small-business revolving cards	Required. Owner and business jointly and severally liable; owner remains individually liable. Elan Company Card (corporate liability, typically $5M+ sales, 2+ years) is a different product.
Credit check	Hard pull on apply (commonly all three bureaus). Pre-approval advertised as no impact to personal score.	Hard personal inquiry expected on the owner. Industry reporting: Elan TransUnion primary (not confirmed on firstfed.com). WalletHub user: inquiry from Elan Financial Services/First Federal Community.
Employee cards	Free; custom spend limits; card lock; account-manager role (primary remains liable)	Allowed; $0 additional-card fee. Add via MyAccountAccess Manage Employees (legal name, DOB, SSN, address). Variable credit limits and authorization controls listed as a generic business-card feature. Owner/business remain liable.
Product type	Revolving business credit card (fixed credit line)	Revolving business credit card (intro 0% then variable purchase APR). Not a charge card. Not Elan’s Visa Business Company Card (corporate liability).

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

First Federal Community Bank Business Zero+ Card

Pros

• $0 annual fee and $0 extra-card fee
• 0% intro APR for 18 billing cycles on purchases and on timely BTs — among the longest business-card intros advertised in 2026
• BT window extends 558 days after opening on the aggregator box (same Elan SKU across partners)
• 5% cash back + $50/card credit on Rewards Center prepaid travel if you actually use the portal
• Optional 3-month $0 ExtendPay once per year after intro ends; cell-phone protection up to $600 when the bill is paid with the card

Cons

• No cash back on ordinary business spend — portal prepaid travel only
• Go-to purchase APR 16.24%–25.24% variable is expensive float after the intro
• 3% BT fee and 3% foreign-transaction fee
• Personal guarantee; Elan may pursue the owner for all account charges
• First Federal does not publish the live Schumer box on its site; rewards travel headline is easy to misread as airline/hotel MCC bonuses

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.

First Federal Community Bank Business Zero+ Card

This is Elan’s Visa Business Zero+ cobranded for First Federal Community Bank (Dover, OH / firstfed.com) — not a card the bank underwrites, not the consumer Zero+ twin, and not Bucyrus ffcb.com. It is a 0% float tool with thin portal-only rewards, not a daily driver. Pair it with a 2–5% earn card. Confirm the live rates-and-fees box at application.