Capital One Spark Cash
Rewards rate
2% - 5%
Cash back
Annual fee
$0 intro for first year; $95 after that
Welcome bonus
$1,000
Additional rates and fees
Annual fee
$0 intro for first year; $95 after that
Intro purchase APR
N/A
Regular purchase APR
24.49% (Variable)
Intro balance transfer APR
N/A
Regular balance transfer APR
24.49% (Variable)
Cash advance APR
30.49% (Variable)
Cash advance fee
5% of the amount of the cash advance, but not less than $5
Late fee
Up to $39
Penalty APR
32.9% (Variable)
Balance transfer fee
Balance transfers are not available on Spark Cash
Foreign transaction fee
None
Return payment fee
See Terms*
* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Continue" button, you can review the credit card terms and conditions on the provider's website.
Card details
- Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening
- For businesses that want to earn 2% cash back on all purchases with the familiarity of a traditional credit line
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
- $0 annual fee for the first year; $95 after that
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
- Top rated mobile app