Capital One Spark Cash Select for Good Credit
Reviews
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CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.
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Those who always pay their balances in full and on time will usually come out ahead.
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The offers on the credit card landscape are constantly changing which is great news for consumers.
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In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.
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CompareCards was one of three sites that met all the criteria.
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- Regular Purchase APR 21.24% - 29.24% (Variable)
- Intro Purchase APR 0% on purchases for 12 months
- Intro BT APR N/A
- Annual Fee $0
- Credit Needed Good
- Card Brand Mastercard®
- Regular Purchase APR 21.24% - 29.24% (Variable)
- Intro Purchase APR 0% on purchases for 12 months
- Intro BT APR N/A
- Annual Fee $0
- Credit Needed Good
- Card Brand Mastercard®
Highlights
- 0% Intro APR for the first 12 months; 21.24% - 29.24% variable APR after that
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
- For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Card Fees
Foreign Transaction Fee
None
Balance Transfer Fee
$0 at the Transfer APR
Cash Advance Fee
3% of the amount of the cash advance, but not less than $3
Penalty APR
34.65% (Variable)
Ongoing Information
Rewards Rate
1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel
Annual Fee
$0
Expert Reviews
From the CompareCards.com Editorial Team, updated on Sep 28, 2023
Expert Reviews of the Capital One Spark Cash Select for Good Credit
The Bottom Line
The Good
The Not so Good
Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Capital One.
Consumer Reviews
OFFER RATING
/5.0
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How CompareCards Gets Paid
CompareCards is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). CompareCards does not include all credit cards available in the marketplace.
- Rewards Rate 1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel
- Sign-Up Bonus $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening
- APR 18.49% - 24.49% (Variable) on purchases and balance transfers
- Annual Fee $0
- Credit Needed Excellent
- Card Brand Mastercard®
- Rewards Rate 1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel
- Sign-Up Bonus $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening
- APR 18.49% - 24.49% (Variable) on purchases and balance transfers
- Annual Fee $0
- Credit Needed Excellent
- Card Brand Mastercard®
Highlights
- Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
- For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
See additional details for Capital One Spark Cash Select for Excellent Credit
- Intro and Regular APR 0% on purchases for 12 months from date of account opening, then 18.49% - 26.49% Variable
- Rewards Rate Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- Flexible Spending Enjoy the flexibility to put more purchases on the Card
- Annual Fee No annual fee
- Credit Needed Excellent/Good
- Card Brand American Express
- Intro and Regular APR 0% on purchases for 12 months from date of account opening, then 18.49% - 26.49% Variable
- Rewards Rate Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- Flexible Spending Enjoy the flexibility to put more purchases on the Card
- Annual Fee No annual fee
- Credit Needed Excellent/Good
- Card Brand American Express
Highlights
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply
See additional details for The Blue Business® Plus Credit Card from American Express
- Sign-up Bonus $200 cashback if you spend $15K in the first 3 months
- Rewards Rate 1.5% unlimited cashback
- APR 17.74% to 35.99% variable
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
- Sign-up Bonus $200 cashback if you spend $15K in the first 3 months
- Rewards Rate 1.5% unlimited cashback
- APR 17.74% to 35.99% variable
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
Highlights
- Receive $200 cashback if you spend $15K in the first 3 months
- 1.5% unlimited cashback
- No foreign transaction or ATM fees
- Free unlimited supplementary cards for your employees
- Redeem for cashback or travel and retail gift cards to make your rewards go even further
- Spend management tools to monitor employee cards
- Capital on Tap Business Credit Cards are issued by WebBank
See additional details for Capital on Tap Business Credit Card
