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Capital One Spark Cash Select for Excellent Credit

Capital One Spark Cash Select for Excellent Credit

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Earn a $500 bonus when you spend $4,500 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 if your card is lost or stolen.

Nav's Verdict

Cost

HighLow

Effort to Apply

DifficultEasy

Card Perks

PoorGood

Features

PoorGood

8/10

Bottom Line

Low-interest card with a competitive cash back offer that applies to all purchases. Rewards have no limits or category restrictions.

Pros

A great intro offer with rewards flexibility, solid benefits, and a competitive APR for those with excellent credit.

Cons

Steep penalties for late payments.

Features & Benefits

Fraud Coverage

You're covered by $0 Fraud Liability if your card is ever lost or stolen

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Intro APR

N/A

Purchase APR

17.99% - 23.99% (Variable)

Annual Fee

$0

Welcome Offer

$500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening

Rewards Rate

1.5% Cash Back on every purchase and 5% Cash Back on hotels and rental cars booked through Capital One Travel.

Foreign Transaction Fee

None

Reviews

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Reviews are not provided or commissioned by the credit card, financing and service companies that appear in this site. Reviews have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.