How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Capital One Spark Cash Select

LendingTree's Review

4.6

Apply Now

on Capital One's secure site

Rates & Fees

Rewards Rate

1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One's travel booking site

Sign-Up Bonus

$500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening

APR

17.49% - 23.49% (Variable) on purchases and balance transfers

Highlights

Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
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's travel booking site
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
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

Rates

Intro Purchase APR: N/A
Regular Purchase APR: 17.49% - 23.49% (Variable)
Intro Balance Transfer APR: N/A
Regular Balance Transfer APR: 17.49% - 23.49% (Variable)
Regular Cash Advance APR: 31.24% (Variable)
Penalty APR: 33.65% (Variable)

Fees

Annual fee: $0
Balance transfer fee: Balance transfers are not available on Spark Cash Select
Cash advance fee: 5% of the amount of the cash advance, but not less than $5
Foreign exchange fee: None
Late fee: Up to $39

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.