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Apply for Spark® Cash from Capital One® Online

  • Intro
  • Minimum Payment
  • Balance Transfer

Capital One is one of the largest credit card issuers around. They offer a Spark® Cash credit card that is suitable to applicants with excellent credit, which means you need a credit score of about 751 or higher. The Spark® Cash from Capital One® credit card provides you with cash back based on all the purchases you make using the card.

Spark® Cash from Capital One® Rates & Fees

ANNUAL FEE INTRO APR APRS BALANCE TRANSFER FEE FOREIGN TRANSACTION FEE
0 USD None 18.74% None None

How to Apply for Spark® Cash from Capital One® Online

You can quickly apply for the Spark® Cash from Capital One® credit card online.

  1. To start, visit www.capitalone.com/credit-cards.
  2. Click “See All Cards” to compare all their cards.

    https://www.capitalone.com/credit-cards/

  3. Find the Spark® Cash from Capital One® credit card after you tick “Cash” in the Rewards section.
  4. Click the green “Apply Now” button under the Spark® Cash from Capital One® card.

    https://www.capitalone.com/credit-cards/compare/

  5. Enter your first and last name, your date of birth, and your Social Security number. Answer the question about your citizenship, and then enter your residential and mailing addresses.
  6. Provide your email address and your phone number. Select your employment status and enter your annual income, your monthly housing payment, what type of bank accounts you have, and whether you would like blank cash advance checks.
  7. Check the box agreeing to their Electronic Communications Disclosure.
  8. Click the “Continue” button and follow the prompts to finish your application.

Other Ways to Apply for Spark® Cash from Capital One® Credit Card

You can apply by phone by calling 1-800-695-55-00.

Capital One Customer Service

You can reach Capital One customer service by phone by calling 1-800-227-48-25. You can also write them at:
Capital One
Attn: General Correspondence
P.O. Box 30285
Salt Lake City, UT, 84130-0287.

Spark® Cash from Capital One® Credit Card FAQs

What are the benefits of the Spark® Cash from Capital One® credit card?
With the Spark® Cash credit card, you get unlimited 2% cash back on every purchase, every day.

What is the APR for a Capital One credit card?
The APR varies depending on your credit and is based on the Prime Rate. The APR is about 18.74 percent.

Is there an annual fee?
The Spark® Cash credit card has no annual fee for the first year and $95 annually after that.

Is there a late fee?
If your payment is late, you can be charged a fee of up to $39.

How long will it take to get my Capital One card?
In most cases, it will take about seven to 10 business days to receive your card.

For Example:

Let’s assume the balance on your credit card is $5000, your card’s APR is 23%, and your minimum monthly payment in percentage is 100. Your first payment should be $100. Note that this number is expected to change over time.

To pay off your credit card balance in full, it will take you 2442 months. You’ll pay the overall interest of $99510.62. Your total payment will be $104510.62.

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By using this calculator you agree to terms and conditions. These calculators are designed to be informational and educational tools only, and when used alone, do not constitute investment or financial advice. We strongly recommend that you seek the advice of a financial services professional before making any type of investment or deciding on your financial matters. This model is provided as a rough approximation of future financial performance. The results presented by this calculator are hypothetical and may not reflect the actual growth of your own investments. We can't take into account potential lender fees, payoff schedule can be longer than in the estimation. Mycreditcards and its affiliates are not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by these tools. Mycreditcards is not responsible for any human or mechanical errors or omissions.

Watch How Do Balance Transfers Credit Cards Work

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1st Year Annual fee $ Annual Percentage Rate (APR) Currently, a variable % - % APR on purchases. (These APRs do not apply to cash advances.)

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