Capital One Spark Cash Select for Excellent Credit Review

Capital One Spark Cash Select for Excellent Credit ā€” all information about the credit card.

Learn more
Capital One Spark Cash Select for Excellent Credit
Learn more
on our partnerā€™s site
Our Rating:
5 out of 5
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
    • 1.5% Cash Back for your business on every purchase, everywhere, no limits or category restrictions.
  • Intro Offer:
    • $750 Cash bonus once you spend $6,000 on purchases within the first 3 months from account opening.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    18.49% - 24.49% Variable
  • Balance Transfer APR:
    18.49% - 24.49% Variable
Show more

We recommend more cards

Capital One Spark Cash Select for Excellent Credit Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
5%
Hotels
$
5%
Car rental
$
1.5%
All other purchases
$
Have you already recieved the Capital One intro bonus?
Calculate
Show less details

All benefits

  • Cash back
    • 5% On hotels and rental cars booked through Capital One Travel.
    • 1.5% On every purchase.
  • Travel
    • No Foreign Transaction Fees:
    • Pay zero foreign transaction fees on purchases made outside of the United States.
    • Roadside Assistance:
    • Offers services to help you during auto-related emergencies, such as jump-starting, tire changing and towing.
    • Capital One Travel:
    • Best prices on thousands of trip options ā€” even after you book. Plus, pay flexibly with your rewards, a card or both.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 18.49% - 24.49% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 18.49% - 24.49% Variable
  • APR for Cash Advances
    • 32.24% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on new purchases, provided you have paid your previous balance in full by the due date each month. You will be charged interest on cash advances on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • None
  • Fees for Cash Advances
    • Either $3 or 3% of the amount of each cash advance, whichever is greater
  • Penalty Fees
    • 34.65%
  • Late Payment
    • Up to $39
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • No Foreign Transaction Fee
Cons:
  • No Intro APR period

Features

Classic
Mastercard
Contactless
  • No Annual Fee
  • No foreign transaction fees
  • Cashback
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Travel
  • Excellent Credit

About the issuer

Capital One has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
Credit card issuer's website
Call to Customer Service

Compare with other cards

Low income
Upgrade Triple Cash Rewards VisaĀ® Upgrade
Upgrade Triple Cash Rewards VisaĀ®
4.06 out of 5
Recommended credit score
score
Fair to Excellent (580-799)
  • None
    Annual Fee
  • 14.99% - 29.99%
    Regular APR
  • 3%
    Cash Back on Home, Auto and Health categories.
  • None
    Purchase Intro APR
Apply now
On Upgradeā€˜s website
Good credit score
Upgrade Cash Rewards VisaĀ®
Upgrade Cash Rewards VisaĀ®
4.35 out of 5
Recommended credit score
score
Fair to Excellent (580-799)
  • None
    Annual Fee
  • 14.99% - 29.99%
    Regular APR
  • 1.5%
    Cash Back on payments.
  • None
    Purchase Intro APR
Apply now
On Upgradeā€˜s website
Fair credit
QuicksilverOne Capital One
Capital One QuicksilverOne Cash Rewards Credit Card
3.58 out of 5
Recommended credit score
score
Fair to Good (580-739)
  • $39
    Annual Fee
  • 30.74%
    Regular APR
  • 1.5%
    Cash Back on every purchase.
  • None
    Purchase Intro APR
Learn more
on our partnerā€™s site

Capital One Spark Cash Select for Excellent Credit is an option for those, who need Classic features. With an APR of 18.49% - 24.49% and $0 annual fee this credit card can easily cover your simple everyday demands. This card does not require credit history. With Capital One SparkĀ® Cash Select you will get such features as No Annual Fee, No foreign transaction fees, Cashback, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

For Capital One products listed on this page, some of the above benefits are provided by VisaĀ® or MastercardĀ® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

Another popular cards for you
4.04 out of 5
Recommended credit score
scorer
Fair to Excellent (580-799)
  • None
    Annual Fee
  • None
    Regular APR
  • 2x - 7x:
    Points on restaurants.
  • None
    Purchase Intro APR
Apply now
On Cross River Bankā€˜s site