The Ultimate Guide to Credit Cards
Sunday, January 29, 2023

Capital One Spark Cash Select – 0% Intro APR for 12 Months

► Terms, Details & Application

"This card may be ideal for startups that need funding to get their businesses up and running, as it provides 0% financing to help them pay for purchases over time without accruing interest, among other valuable features."
- Toby Sembower,
Advertiser Disclosure
Capital One Spark Cash Select - 0% Intro APR for 12 Months Review

at the issuer'ssecure website





  • 0% Intro APR for the first 12 months; 20.24% - 28.24% 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 if your card is lost or stolen
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
20.24% - 28.24% (Variable)

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

0% Intro APR
(Ranked #20 out of 30)
Best Overall
(Ranked #28 out of 152)
(Ranked #3 out of 22)
Cash Back
(Ranked #21 out of 50)
Good Credit
(Ranked #19 out of 59)

Advertiser Disclosure is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across (including, for example, the order in which they appear). does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.