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Capital One Spark Cash Select for Good Credit

Capital One Spark Cash Select for Good Credit — Terms, Rates & Fees

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0% Intro APR for the first 12 months; 21.24% - 29.24% 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 for unauthorized charges.

Nav's Verdict

Cost

HighLow

Effort to Apply

DifficultEasy

Card Perks

PoorGood

Features

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

$0 Fraud Liability for unauthorized charges

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Rates and Fees

Terms, Rates & Fees

Intro APR

0% on purchases for 12 months

Purchase APR

21.24% - 29.24% (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

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Personal FICO credit scores and other credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit or financing type you are eligible for. Nav uses the Vantage 3.0 credit score to determine which credit offers are recommended which may differ from the credit score used by lenders and service providers. However, credit score alone does not guarantee or imply approval for any credit card, financing, or service offer.

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Any personal views and opinions expressed are author’s alone, and do not necessarily reflect the viewpoint of Nav. Editorial content is not those of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities.

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.