Apply for Spark® Miles from Capital One® Online – All Ways
Capital One is one of the largest credit card issuers around. They offer a Spark® Miles credit card that is suitable to applicants with excellent credit, which means you need a credit score of about 751 or higher. The Spark® Miles from Capital One® card allows you to earn airline miles on all your purchases as well as other perks.
Spark® Miles from Capital One® Rates & Fees
|ANNUAL FEE||INTRO APR||APRS||BALANCE TRANSFER FEE||FOREIGN TRANSACTION FEE|
|$0 intro for the first year, $95 after that||18.74%||None||None|
How to Apply for the Spark® Miles from Capital One® Online
You can quickly apply for the Spark® Miles credit card online.
- To start, visit www.capitalone.com/credit-cards.
- Click “See All Cards” to compare all their cards.
- Find the Spark® Miles credit card after you tick “Travel” in the Rewards section.
- Click the green “Apply Now” button under the Spark® Miles card.
- 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.
- 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.
- Check the box agreeing to their Electronic Communications Disclosure.
- Click the “Continue” button and follow the prompts to finish your application.
Other Ways to Apply for Spark® Miles 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:
Attn: General Correspondence
P.O. Box 30285
Salt Lake City, UT, 84130-0287.
Spark® Miles from Capital One® Credit Card FAQs
What are the benefits of the Spark® Miles from Capital One® credit card?
With the Spark® Miles credit card, you get unlimited 2X miles on every purchase for your business with no blackouts or seat restrictions, and no minimum to redeem. You can earn a one-time bonus of 50,000 miles – equal to $500 in travel – after you spend $4,500 within the first 3 months from account opening.
What is the APR for a Capital One credit card?
The APR varies depending on your credit and is based on the Prime Rate. It is generally around 18.74 percent.
Is there an annual fee?
The Spark® Miles credit card has no fee for the first year and a $95 annual fee 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 7 to 10 business days to receive your card.
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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