RateHerald

Our illustration in the card’s colours, not its design

Capital One credit card

Capital One Spark Cash Card

  • APR up · 24.49%24.74% · Oct 8, 2026

$1,000 cash after you spend $10,000 in 3 months. Purchase APR 24.74%, variable.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Annual fee after your first year
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Capital One’s terms

Welcome offer

$1,000 cash

After you spend $10,000 on purchases in your first 3 months.

Spending it takes
$3,333 a month
for 3 months
Tracking since
Sep 29, 2026
history will chart every change

The bonus is available by starting the application process from this page or clicking the Apply Now button on this page, and may not be available to existing or previous Capital One Business card holders.

  • Larger than about 95% of the 48 other cash bonuses we track.

Who can get it: If you’ve ever had a bonus on this card or one of its family, you can’t get it.

“The bonuses may not be available for existing or previous Capital One Business card holders.”

The issuer’s terms, from its page, as of Nov 1, 2026. Check which bonuses you can get

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$240$145
Typical spender$600$505
Heavy spender$2,430$1,335
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: welcome bonus needs $10,000 in 3 months.

$145a year

$240 the first year, with the welcome bonus.

Rewards and credits$240

You keep $145−$95 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: welcome bonus needs $10,000 in 3 months.

$505a year

$600 the first year, with the welcome bonus.

Rewards and credits$600

You keep $505−$95 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: welcome bonus needs $10,000 in 3 months.

$1,335a year

$2,430 the first year, with the welcome bonus.

Rewards and credits$1,430

You keep $1,335−$95 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 95% of the 732 cards we track.

  • Lower top APR than about 90% of the 45 cards on our Cash back list (see the list).

Other cash back cards

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Rewards

How you earn

5%
hotelsrental cars
2%
Everything else

Cash back, as a share of each purchase.

Benefits

  • Complimentary access to Capital One Business Travel, an all-in-one business travel management solution.
  • No foreign transaction fees on purchases made outside the United States.
  • Roadside assistance services for auto-related emergencies, including jump-starting, tire changing, and towing.
  • Free employee and virtual cards.
  • Free employee cards allow the business to earn rewards on employee purchases.
All 20 benefits
  • Customized spending limits for employee cards.
  • $0 fraud liability; emergency replacement and a cash advance may be available if the card is lost or stolen.
  • Fraud and security alerts by text, email, or phone.
  • Virtual card numbers for online payments.
  • Automatic payments through AutoPay.
  • Year-end spending summaries.
  • Account manager access.
  • Downloadable purchase records in Quicken, QuickBooks, and Excel formats.
  • Ability to choose a monthly due date.
  • Transaction details and recurring-transaction views.
  • Online account access and mobile app access.
  • Extended warranty and protection on eligible purchases.
  • Customer support from Capital One Business representatives.
  • Extended warranty
  • Other

Changes

24.49%24.74% since Oct 8Oct 8Today
  • Oct 8, 2026 APR 24.49%24.74%

Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable

Before you apply

  1. Credit the issuer asks for: Excellent (issuer’s page).
  2. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  3. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
  4. The bonus: If you’ve ever had a bonus on this card or one of its family, you can’t get it.

Questions

What is the annual fee?
$95 annual fee after your first year · capitalone.com, since Nov 1, 2026
What is the purchase APR?
24.74% APR · capitalone.com, since Oct 8, 2026
Is there a welcome bonus?
$1,000 cash back after $10,000 in purchases in 3 months. · capitalone.com, since Sep 29, 2026
What credit do you need?
Excellent · capitalone.com, since Sep 29, 2026
Apply on capitalone.comPartner offer: we may be paid if you apply