Costs & Pricing

Metric	Spark 1.5% Cash Select	Ramp Corporate Card
Annual fee	$0	$0 on the card. Platform software is separate: Free $0/user/mo; Plus $15/user/mo + unpublished platform fee by team size (20% off annual); Enterprise custom.
Employee card fee	$0	$0; unlimited physical and virtual cards
Purchase APR	16.74%–26.74% variable after intro (based on creditworthiness)	N/A — charge card; no revolving APR published. Marketing “0%” is 30-day statement float, not an intro APR.
Intro APR (purchases)	0% for 9 months, then 16.74%–26.74% variable	Not offered (no APR product)
Foreign transaction fee	$0	No separate FTF line. International charges that clear in a non-settlement currency: Visa conversion + markup not exceeding 3%. Local-currency cards on Enterprise / Canada can avoid conversion if spend matches card currency.
Late payment fee	Not disclosed on public product page (aggregators: up to $39; cash-back hub footnote mentions 2.99% — unresolved)	Official: none on the card product. Auto-pay of the full statement is required; failed debit is the operational penalty (possible lock, limit cut, account action).

Rewards & Value

Metric	Spark 1.5% Cash Select	Ramp Corporate Card
Base earn rate	Unlimited 1.5% cash back on every purchase (no category restrictions)	Rate determined by Ramp on Qualified Purchases (Rewards Terms, 15 Jul 2026). Public/spokesperson range 0%–1.5% assigned per customer. Do not treat 1.5% as guaranteed. Canada cards are a separate fixed 1% (out of scope).
Welcome bonus	$750 cash after $6,000 purchases in first 3 months	Not disclosed on official corporate-card or pricing pages (3 Sep 2026). Third-party listings conflict: NerdWallet 15 Jun 2026 — $1,000 Ramp card on approval, no min spend, one per new customer; older reviews $500. Treat live offer as Unclear — confirm on application.
Redemption value	Face-value cash (statement credit or check); any amount; does not expire while account is open	Cash/statement path is 1¢ per 1% only to the extent Ramp assigned that earn rate. Transfers are not 1:1. Cashback is not automatic unless auto-applied to Plus/Bill Pay fees.
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 listed in current Rewards Terms. Historical 2024 in-product list (verify in-dashboard): Aeromexico, Flying Blue, Avianca LifeMiles, British Airways, Etihad Guest, Marriott Bonvoy, Qantas, Qatar Privilege Club, TAP Miles&Go, Wyndham — commonly 1.5 Ramp points : 1 partner unit. Min historically 100 partner points (150 Ramp). Irreversible; name must match an authorized admin.

Credit & Eligibility

Metric	Spark 1.5% Cash Select	Ramp Corporate Card
Personal guarantee	Not quoted on product page; market practice = required for Capital One small-business revolving cards	Not required. Official: “Ramp does not require founders to personally guarantee your expenses.” Corporate liability.
Credit check	Hard pull on apply (commonly all three bureaus). Pre-approval advertised as no impact to personal score.	Official: no personal credit check; no impact to personal credit score. Last 4 of SSN (or foreign passport) of one officer is KYC, plus selfie/ID if stepped up — not a published hard pull.
Employee cards	Free; custom spend limits; card lock; account-manager role (primary remains liable)	Unlimited physical and virtual; company liable. Spend controls: amount, frequency, category block/allow, merchant lock. Apple Pay / Google Pay; 3DS. USD physical cards: no PIN.
Product type	Revolving business credit card (fixed credit line)	Corporate / commercial charge card plus spend-management platform (pay-in-full; not revolving; no published APR)

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

Ramp Corporate Card

Pros

• $0 card AF and $0 extra-card fees with unlimited virtual/physical cards
• No personal guarantee and no personal credit check (official); corporate liability
• Native controls, receipt capture, and accounting sync — the software is the product
• 30-day interest-free float if auto-pay succeeds
• Visa Signature purchase security, extended warranty, and rental CDW on USD cards

Cons

• Cashback rate is not a published guarantee (0–1.5%, Ramp-determined); foreign/non-USD spend excluded from Qualified Purchases
• Must pay in full; cannot revolve or balance-transfer
• Sole props ineligible; $25k cash + real U.S. address bar
• FX markup up to 3% despite “no FTF” marketing; Plus platform fee and 2026 Bill Pay per-item fees can erase “free”
• Limit can move with linked cash; missed debit is operationally harsh

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.

Ramp Corporate Card

Ramp is a charge-card ops platform, not a 1.5% bank card and not Brex’s sibling SKU. Official no-PG / no personal pull plus unlimited virtual cards is the reason to pick it. Do not assume 1.5% cashback, a public welcome bonus, or true $0 FX. Sole props, revolvers, and rate-guarantee shoppers should use a traditional PG cash card instead. Plus seats and Bill Pay rails are software costs, not a card annual fee.