As you may have noticed, the Spark business cards often come in twos—a no-fee version, like the Spark Cash Select, and a version with higher rewards rates and an annual fee, like the Spark Cash card.
If you’re able to access the welcome offer of the annual fee version—the Spark Cash or the Spark Miles—then this higher value welcome offer will offset more than three years of the $95 annual fees—meaning it may be worth choosing one of these cards for the higher ongoing rewards rates.
This being said, however, both the Spark Cash Select and Spark Miles Select have extremely competitive business credit card perks, so if you don’t think you can spend enough to meet the welcome offer qualifications or simply would prefer a Capital One small business credit card with no annual fee whatsoever, there’s no harm in sticking with either of these options.