Lovie vs Capital One Spark Select

Same rate, different universe.

Both offer 1.5% cashback with no annual fee. But Capital One requires excellent credit and a personal guarantee. Lovie requires nothing but your new company.

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Lovie vs Capital One Spark 1.5% Cash Select.

A detailed comparison of Lovie and Capital One Spark 1.5% Cash Select for startups and small businesses.

Capital One Spark 1.5% Cash Select

Spark Cash Select

Capital One

Full review
Annual Fee
$0
Rewards
Unlimited 1.5% cash back on ev...
Intro Offer
$750 after $6,000 in 3 months

From formation to first purchase in minutes.

Form Your Company

Lovie handles your LLC or Corp formation with AI — state fees included.

Get Your Card

You get a virtual card right away. Physical card ships the same day.

Set Controls

Set limits, block merchants, manage team access — from the dashboard or by asking your AI.

Start Spending

Use your card anywhere Mastercard is accepted. Earn 1.5% cashback on every purchase.

Your business card should work as fast as your AI.

A card that keeps up with how you actually work.

Instant Issuance

Your card is ready the moment your company is. No approval wait, no separate application.

Smart Spending Controls

Per-card limits, merchant blocks, auto-expiring rules. Set them from your dashboard or just ask your AI.

MCP-Native

Issue cards through Claude, Cursor, Manus, or any MCP-compatible tool. Works wherever you already work.

Build Business Credit

Every purchase reports to major credit bureaus. Your company builds credit automatically.

No Foreign Transaction Fees

Spend globally without hidden fees. Your card works everywhere Mastercard is accepted.

One Platform, Everything

Formation, banking, and cards in one dashboard. You stop juggling logins.

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