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Spark® 1.5% Cash Select from Capital One® review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
13.49% ‐ 19.49% (Variable)
Interest Rate: Purchases
13.49% ‐ 19.49% (Variable)
Balance Transfer
13.49% ‐ 19.49% (Variable)
Balance Transfer
13.49% ‐ 19.49% (Variable)
Rewards
1.5% cashback
Rewards
1.5% cashback
Signup Bonus
$500 after spending $4,500
Signup Bonus
$500 after spending $4,500


8.5/10
Informr score
The Spark® 1.5% Cash Select from Capital One® currently has an Informr score of 8.5 out of 10. This score is based on our evaluation of 23 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Spark® 1.5% Cash Select from Capital One® is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


One Mile at a Time
One Mile at a Time

The Capital One Spark Cash Select is a no annual fee business card worth being aware of. The card offers 1.5% cash back on all purchases with no foreign transaction fees, and the card also has a generous welcome bonus. If you have the card in conjunction with something like the Capital One Venture X...

- Ben Schlappig, One Mile at a Time
Fit Small Business
Fit Small Business

Capital One® Spark® Cash Select Excellent Credit is best for business owners who want a card that offers fixed-rate cash back rewards with no annual fee.

- Benilyn Formoso - Suralta, Fit Small Business
Fit Small Business
Fit Small Business

The Capital One® Spark® Cash Select Good Credit card is best for business owners who want a no-annual-fee card that offers fixed-rate cash back rewards for all business-related purchases.

- Benilyn Formoso - Suralta, Fit Small Business
MyBankTracker
MyBankTracker

This card is good if you want to keep earning and redeeming rewards as simple as possible for your business. Just remember to keep the ongoing APR in mind if you plan to carry a balance, since interest charges can cancel out rewards earnings.

- Rebecca Lake, MyBankTracker
The Balance
The Balance

It is a big player in Capital One's collection of small-business credit cards. It comes in two versions: one with a 0% intro APR offer aimed at business owners with “good” credit, and one with a welcome offer aimed at those with “excellent” credit. Here’s our take on the no-fuss, no-welcome-bonus ve...

- Lindsay VanSomeren, The Balance

Details


Interest Rates
Regular APR Interest Rate 13.49% ‐ 19.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 13.49% ‐ 19.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 27.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee $0.00
Cash Advance Fee 3%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus $500 after spending $4,500

On purchases within the first 3 months.

Rewards
All Purchases 1.5% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Virtual Cards Yes
Additional Benefits

Lost Luggage Reimbursement

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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