Costs & Pricing

Metric	Spark 1.5% Cash Select	Wells Fargo Signify Business Cash® Card
Annual fee	$0	$0
Employee card fee	$0	$0 (no published cap on number)
Purchase APR	16.74%–26.74% variable after intro (based on creditworthiness)	16.74%–24.74% variable after intro (Prime + 9.99% to +17.99%; Prime 6.75% as of 09/02/2026; max APR 29.99%). Disclosures accurate as of Dec 2025.
Intro APR (purchases)	0% for 9 months, then 16.74%–26.74% variable	0% for 12 months from account opening, then standard variable purchase APR
Foreign transaction fee	$0	3% of each transaction converted to U.S. dollars
Late payment fee	Not disclosed on public product page (aggregators: up to $39; cash-back hub footnote mentions 2.99% — unresolved)	Up to $40. First event in a rolling six-cycle window: lesser of minimum payment or $29; subsequent: lesser of minimum payment or $40

Rewards & Value

Metric	Spark 1.5% Cash Select	Wells Fargo Signify Business Cash® Card
Base earn rate	Unlimited 1.5% cash back on every purchase (no category restrictions)	$0.02 cash rewards per $1 qualifying net purchase (uncapped 2%). Posts when the purchase appears on a monthly statement. Program terms effective June 26, 2026.
Welcome bonus	$750 cash after $6,000 purchases in first 3 months	$500 cash rewards after $5,000 qualifying net purchases post within 3 months of account opening. Redeemable within 60 days after earned. Standing public offer since the May 2024 launch — no published offer-expiration date.
Redemption value	Face-value cash (statement credit or check); any amount; does not expire while account is open	Statement credit / credit to an eligible Wells Fargo business credit or checking account at 1:1 cash. Gift cards and Business Rewards portal travel are options — portal/gift-card cents-per-dollar not published; do not assume portal equals cash. Minimum redemption $1 for statement-credit path.
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 (points transfers are for Essential/Elite, not Cash)

Credit & Eligibility

Metric	Spark 1.5% Cash Select	Wells Fargo Signify Business Cash® Card
Personal guarantee	Not quoted on product page; market practice = required for Capital One small-business revolving cards	Required. Account Guarantor unconditionally agrees to be personally liable, jointly and severally with the business. Wells Fargo may seek to collect from the guarantor before the business. Covers future line increases and enforcement costs.
Credit check	Hard pull on apply (commonly all three bureaus). Pre-approval advertised as no impact to personal score.	Consumer report on the Account Guarantor. Treat full apply as a hard pull unless using only the no-impact prequal tool. Application also collects ownership details for 25%+ owners.
Employee cards	Free; custom spend limits; card lock; account-manager role (primary remains liable)	$0. Add via Business Online; optional monthly cycle spend cap (default = full account line). Up to three Administrators besides the guarantor. Employee cardholders are not personally liable; guarantor is. Cards mail in 5–10 business days. No published maximum number.
Product type	Revolving business credit card (fixed credit line)	Revolving business credit card (not a charge card; not NPSL; not a spend-management platform)

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

Wells Fargo Signify Business Cash® Card

Pros

• Uncapped 2% cash on qualifying spend with $0 annual fee
• 0% intro APR on purchases for 12 months from open
• $500 cash bonus at $5,000 / 3 months — low hurdle versus many business SUBs
• Employee cards at $0 with per-card cycle caps
• Primary MasterRental CDW and $250k common-carrier accident insurance on a no-fee card; rewards do not expire while open

Cons

• 3% foreign-transaction fee
• No category bonuses; 2% loses to 3–5% advertising/shipping cards on those MCCs
• Personal guarantee is unconditional and first-recourse
• No purchase protection, extended warranty, or cell-phone insurance in the public benefits guide; Priority Pass visits are paid
• After the intro window, 16.74%–24.74% variable APR makes revolving expensive relative to 2% earn; no public BT product

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.

Wells Fargo Signify Business Cash® Card

Signify Business Cash is the flat 2% SKU — not Essential/Elite (points) and not consumer Active Cash. It beats Blue Business Cash after the $50k 2% cap and beats Ink Unlimited on ongoing earn, while trailing Spark Cash Plus on FTF and NPSL. Skip it for foreign spend, transferable points, no-PG underwriting, or anyone who will revolve after month 12.