Last Updated: 05/14/2026
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Purchase APR (Variable APR)
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Capital One Spark Cash Select Review
Key Takeaways
- $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening
- APRs: Capital One Spark Cash Select has a variable regular purchase APR that ranges from 16.74% up to 22.74%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Excellent credit required. You will have good approval odds if you have an excellent credit score.
Pros & Cons of Spark 1.5% Cash Select
| The Good | The Bad |
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What are the relevant APRs?
Does it have an introductory APR offer?
| Purchase APR | 16.74% - 22.74% |
| Balance Transfer APR | 16.74% - 22.74% |
| Cash Advance APR | 30.49% |
| Penalty APR | 32.9% |
What fees does it charge?
- There is no annual fee.
- A late payment penalty of up to $39 .
| Fees | Amount |
| Annual Fee | $0 |
| Late Payment Fee | up to $39 |
Does it offer a cash back or rewards program?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bonus Rewards | $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | $750 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
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| Bonus Offer | $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Car Rentals
- Every Purchase
- Hotels
Does it have a sign up bonus?
Does it offer an annual loyalty bonus?
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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.
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