Advertiser & Editorial Disclosure

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

Capital One Spark Cash Select – 0% Intro APR for 12 Months
0% Intro APR for the first 12 months; 18.99% - 26.99% 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.

Nav's Verdict

Cost
80% Complete
HighLow
Effort to Apply
100% Complete
DifficultEasy
Card Perks
80% Complete
PoorGood
Features
80% Complete
PoorGood

8/10

Bottom Line

A good option if you have good to excellent credit and are looking to finance big-ticket purchases.

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

Intro APR
0% on purchases for 12 months
Purchase APR
18.99% - 26.99% (Variable)
Annual Fee
$0
Welcome Offer
N/A
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

Reviews Disclosure: The responses below are not provided or commissioned by the credit card, financing and service companies that appear on this site. Responses 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.