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Monday, March 4, 2024

Capital One Spark Cash Select for Good Credit

Adam West

By: Adam West

Adam West
Adam West

Adam corresponds with finance experts to publish industry news coverage related to helping consumers achieve greater financial literacy and improved credit. He has more than 12 years of storytelling, editing, and design experience in print and online journalism and is most knowledgeable in the areas of credit scores, financial products and services, and the banking industry.

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Editor: Lillian Guevara-Castro

Lillian Guevara-Castro
Lillian Guevara-Castro

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct journalism instructor at the University of Florida. Today, Lillian edits all CardRates content for clarity, accuracy, and reader engagement.

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Reviewer: Ashley Fricker

Ashley Fricker
Ashley Fricker

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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Are you considering applying for the Capital One Spark Cash Select for Good Credit? Here's a rundown of the key details of the card, along with links to its official website and 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.

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.

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Capital One Spark Cash Select for Good Credit Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★

4.7

OVERALL RATING

  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
21.24% - 29.24% (Variable)
$0
Good

Interest Rate & Annual Fee

According to the issuer, the Capital One Spark Cash Select for Good Credit currently charges the following APR on purchases and balance transfers:

  • Purchase Intro: 0% for 12 months
  • Balance Transfer Intro: N/A
  • Regular APR: 21.24% - 29.24% (Variable)

The following is the current annual fee for the Capital One Spark Cash Select for Good Credit, as listed by the issuer:

  • Annual Fee: $0
See site for details »

Credit Needed for Approval

According to the issuer, the current general credit requirement for the Capital One Spark Cash Select for Good Credit is:

  • Credit Level: Good

Our Ratings by Category

(Ranked #28 out of 154)
★★★★★
4.7
(Ranked #3 out of 24)
★★★★★
4.7
(Ranked #22 out of 54)
★★★★★
4.7
(Ranked #18 out of 58)
★★★★★
4.7

About the Author

Adam West
Adam West Finance Expert

Adam corresponds with finance experts to publish industry news coverage related to helping consumers achieve greater financial literacy and improved credit. He has more than 12 years of storytelling, editing, and design experience in print and online journalism and is most knowledgeable in the areas of credit scores, financial products and services, and the banking industry.

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Adam West