Capital One Spark Cash Select vs TD Business Solutions Credit Card
Side-by-side comparison
| Capital One Spark Cash Select | TD Business Solutions Credit Card | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $750 cash back | $400 cash back |
| Advertising | 1.5% | 2% |
| Shipping | 1.5% | 2% |
| Office supplies | 1.5% | 2% |
| Phone & internet | 1.5% | 2% |
| Travel | 1.5% | 2% |
| Everything else | 1.5% | 2% |
| Est. yearly rewards* | $675 | $900 |
| Points type | Pools with Capital One → transferable | Cash back only |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Capital One Spark Cash Select | TD Business Solutions Credit Card |
|---|---|---|
| Welcome bonus | $750 cash back | $400 cash back |
| To earn it | $6,000 in 3 months | $3,000 in 90 days |
| Est. first-year value* | $1,425 | $1,300 |
| Est. ongoing value / yr* | $675 | $900 |
This one splits by time horizon. In year one the Capital One Spark Cash Select is ahead by roughly $125, thanks largely to its welcome offer. But the TD Business Solutions Credit Card earns more every year after, so if you keep it, it overtakes the Capital One Spark Cash Select after about 2 years. Chasing the sign-up bonus and open to canceling before the second annual fee? Take the Capital One Spark Cash Select. Planning to keep it for years? The TD Business Solutions Credit Card pulls ahead.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Capital One Spark Cash Select | TD Business Solutions Credit Card |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Transferable (paired with a premium card) | Cash back only |
On perks and redemptions, the Capital One Spark Cash Select earns transferable points with a higher redemption ceiling, while the other is capped nearer a flat cent. Weigh those against the fee, since credits and lounge access only count if you will actually use them.
Transfer partners and point value
Only the Capital One Spark Cash Select earns transferable points. Its Capital One miles move to Air Canada, Avianca LifeMiles, Turkish, British Airways, and Emirates, where a point can be worth several cents on a premium-cabin redemption, far above its cash value. The TD Business Solutions Credit Card pays flat cash back, worth about a cent, so its ceiling is nearer a penny per point no matter how you redeem.
The verdict
On a typical year of business spending, the Capital One Spark Cash Select earns about $675 a year in rewards and the TD Business Solutions Credit Card about $900, valuing every point at a flat 1 cent. The Capital One Spark Cash Select has no annual fee, so its rewards are all profit. The TD Business Solutions Credit Card has no annual fee, so its rewards are all profit. Counting rewards and any credits, the TD Business Solutions Credit Card delivers more total value, about $225 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. The bigger difference is the ceiling: the Capital One Spark Cash Select earns points you can move to travel partners for outsized value, while the TD Business Solutions Credit Card pays plain cash back. Favor the Capital One Spark Cash Select if you will use travel transfers, the TD Business Solutions Credit Card if you want simplicity. On the sign-up bonus, the Capital One Spark Cash Select currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the TD Business Solutions Credit Card if your spending leans toward advertising, shipping, office supplies.