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Wednesday, December 6, 2023

Capital One Spark Cash Select for Excellent Credit

Toby Sembower

By: Toby Sembower

Toby Sembower
Toby Sembower

Toby is the founder of CardRates.com and lends his 20 years of experience in the credit card industry to educate consumers. His commentary and reviews have been featured to millions on Yahoo! Finance, CreditCards.com, Entrepreneur.com, and others. Toby's industry connections enable him to keep audiences informed with timely advice and insight.

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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 has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. 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. Her credit card commentary is often featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others.

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

This card offers a lucrative signup bonus in exchange for a modest amount of spending. You'll also earn flat-rate cash back with no limits or category restrictions.

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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CardRates.com 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 CardRates.com (including, for example, the order in which they appear). CardRates.com 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.

Capital One Spark Cash Select for Excellent Credit

Capital One Spark Cash Select for Excellent Credit Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★

4.7

OVERALL RATING

4.7/5.0
  • Earn a $750 bonus when you spend $6,000 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
See Rates & Fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.49% - 24.49% (Variable)
$0
Excellent

Interest Rate & Annual Fee

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

  • Purchase Intro: N/A
  • Balance Transfer Intro: N/A
  • Regular APR: 18.49% - 24.49% (Variable)

The following is the current annual fee for the Capital One Spark Cash Select for Excellent 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 Excellent Credit is:

  • Credit Level: Excellent

Our Ratings by Category

Best Overall
(Ranked #29 out of 156)
★★★★★
4.7
Business
(Ranked #4 out of 25)
★★★★★
4.7
Cash Back
(Ranked #23 out of 55)
★★★★★
4.7
Excellent Credit
(Ranked #22 out of 63)
★★★★★
4.7

Other Offers to Consider

Are you ready to apply for the Capital One Spark Cash Select for Excellent Credit offer? Be sure to read up on all of its terms and details first, then apply via the provider’s secure website:

If you’d like to keep researching, you may want to try one of our popular guides to the top offers available. We break down a variety of offers, including many similar to Capital One Spark Cash Select for Excellent Credit:

Whether you decide on Capital One Spark Cash Select for Excellent Credit or another option, be sure to make all your payments on time and keep your balance below the credit limit.

About the Author

Toby Sembower
Toby Sembower Finance Expert

Toby is the founder of CardRates.com and lends his 20 years of experience in the credit card industry to educate consumers. His commentary and reviews have been featured to millions on Yahoo! Finance, CreditCards.com, Entrepreneur.com, and others. Toby's industry connections enable him to keep audiences informed with timely advice and insight.

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Toby Sembower