Capital One Spark Cash Select vs Wells Fargo Signify Business Cash℠
Side-by-side comparison
| Capital One Spark Cash Select | Wells Fargo Signify Business Cash℠ | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $750 cash back | $500 cash rewards bonus |
| 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 | Pools with Wells Fargo → transferable |
| 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 | Wells Fargo Signify Business Cash℠ |
|---|---|---|
| Welcome bonus | $750 cash back | $500 cash rewards bonus |
| To earn it | $6,000 in 3 months | $5,000 in 3 months |
| Est. first-year value* | $1,425 | $1,400 |
| 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 $25, thanks largely to its welcome offer. But the Wells Fargo Signify Business Cash℠ earns more every year after, so if you keep it, it overtakes the Capital One Spark Cash Select after about 1 year. 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 Wells Fargo Signify Business Cash℠ 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 | Wells Fargo Signify Business Cash℠ |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Transferable (paired with a premium card) | Transferable (paired with a premium card) |
The two are closely matched on perks and redemptions, so the welcome offer and everyday earning above are what should decide it.
Transfer partners and point value
The Capital One Spark Cash Select earns Capital One miles, which transfers to Air Canada, Avianca LifeMiles, Turkish, British Airways, and Emirates. The Wells Fargo Signify Business Cash℠ earns Wells Fargo Rewards, reaching Air France-KLM, Avianca, British Airways Avios, and Choice. Most transfers are 1:1 on both, so the partners themselves, not the ratios, are what separate them.
The standout difference is the crown-jewel partner: for the Capital One Spark Cash Select it is Turkish and Avianca for cheap Star Alliance premium cabins; for the Wells Fargo Signify Business Cash℠ it is the Avios and Flying Blue families for flexible short-haul and promo awards. Pick the program whose best partners match the trips you would actually book.
The verdict
On a typical year of business spending, the Capital One Spark Cash Select earns about $675 a year in rewards and the Wells Fargo Signify Business Cash℠ 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 Wells Fargo Signify Business Cash℠ has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Wells Fargo Signify Business Cash℠ 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. Both earn points that only unlock airline and hotel transfers once you pair them with a premium card in the same family, so it comes down to which ecosystem you are building: Capital One for the Capital One Spark Cash Select, Wells Fargo for the Wells Fargo Signify Business Cash℠. 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 Wells Fargo Signify Business Cash℠ if your spending leans toward advertising, shipping, office supplies.