Last Updated: 05/14/2026
SuperMoney User Recommendation Score +71
Explore a similar product
Try this top product in Business Credit Cards
Ink Business Preferred® Credit Card
Community Recommended Products
View All
Compare All Business Credit Cards
Filter & compare all your options in one place.
Highlights
Community Rating
Purchase APR (Variable APR)
Balance Transfer APR (Variable APR)
Annual Fee
Credit Score Range
Number of Reviews
Capital One® Spark® Cash Review
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 24.99%
- $0 intro annual fee for the first year. $0 intro for first year; $95 after that
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple business credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
- Excellent credit required. You will have good approval odds if you have an excellent credit score.
Pros & Cons of Capital One® Spark® Cash
| The Good | The Bad |
|
|
What are the relevant APRs?
Does it have an introductory APR offer?
| Purchase APR | 24.99% |
| Balance Transfer APR | 24.99% |
| Cash Advance APR | 30.99% |
What fees does it charge?
- An annual fee of $95 ($0 intro for first year; $95 after that) .
Does it charge a foreign transaction fee?
| Fees | Amount |
| Annual Fee | $95 |
| Foreign Transaction Fee | 0% |
| Balance Transfer Fee | 0% |
Does it offer a cash back or rewards program?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bonus Rewards | Offer ends 3/11/2024—earn up to a $3,000 cash bonus: $1,500 once you spend $20,000 in the first 3 months, and an additional $1,500 once you spend $100,000 in the first 6 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Cash Back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Car Rentals
- Every Purchase
- Hotels
Does it have a sign up bonus?
Does it offer an annual loyalty bonus?
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Capital One® Spark® Cash
Hours of Operation
Other Services by Capital One
Be the first to rate
Be the first to rate
41 Reviews
Be the first to rate
Rating not yet determined (1 Review)
Other Business Credit Cards from Capital One
Purchase APR
Balance Transfer APR
Annual Fee
Credit Score Range
300
850
Purchase APR
Balance Transfer APR
Annual Fee
Credit Score Range
300
850
Purchase APR
Balance Transfer APR
Annual Fee
Credit Score Range
300
850
Purchase APR
Balance Transfer APR
Annual Fee
Credit Score Range
300
850
Purchase APR
Balance Transfer APR
Annual Fee
Credit Score Range
300
850
Purchase APR
Balance Transfer APR
Annual Fee
Credit Score Range
Purchase APR
N/A
Balance Transfer APR
N/A
Annual Fee
Credit Score Range
300
850
Community Recommended Products
View AllSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +71, or 4.4 on a 5-point rating scale.
+71
Capital One® Spark® Cash Community Reviews
Would you recommend Capital One® Spark® Cash to your friends?
Anonymous
May 1, 2025
May or may not recommend
Jomiloju O.
Jan 10, 2022
May or may not recommend
Patrick H.
Oct 22, 2020
May or may not recommend
Rasak S.
Oct 15, 2020
May or may not recommend
Shaneka P.
Oct 2, 2020
May or may not recommend
Michelle J.
Aug 6, 2020
May or may not recommend
Anonymous
Aug 2, 2015
May or may not recommend
Showing 7 of 7 reviews
You might also like
SuperMoney
Chonce Maddox
Jessica Walrack