The Ultimate Guide to Credit Cards™
Tuesday, September 29, 2026

Capital One Spark Cash Select

Adam West

By: Adam West

Editor: Lillian Guevara-Castro

Reviewer: Ashley Fricker

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.

Are you considering applying for the Capital One Spark Cash Select? 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.
  • 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
  • Enjoy a 0% APR for the first 9 months of opening
  • No annual fee
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business 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
  • Top rated mobile app
Intro (Purchases) 0% for 9 months
Intro (Transfers) N/A
Regular APR 16.74% - 26.74% (Variable)
Annual Fee $0
Credit Needed Excellent

Interest Rate & Annual Fee

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

  • Purchase Intro: 0% for 9 months
  • Balance Transfer Intro: N/A
  • Regular APR: 16.74% - 26.74% (Variable)

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

  • Annual Fee: $0
See site for details »

Credit Needed for Approval

The current general credit requirement for the Capital One Spark Cash Select is:

  • Credit Level: Excellent

Our Ratings by Category

(Ranked #29 out of 136)
★★★★★
4.7
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★★★★★
4.8
(Ranked #18 out of 44)
★★★★★
4.7
(Ranked #23 out of 53)
★★★★★
4.7

About the Author

Adam West is the Managing Editor for CardRates.com. Since 2016, he has interviewed over 1,500 financial experts to produce the latest news and advice on topics 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.