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Capital One credit card

Spark 1.5% Cash Select

  • APR up · 16.74%16.99% · Oct 8, 2026

No annual fee. $750 cash after you spend $6,000 in 3 months. Purchase APR 16.99–26.99%, variable.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Capital One’s terms

Welcome offer

$750 cash

After you spend $6,000 on purchases in your first 3 months.

Spending it takes
$2,000 a month
for 3 months
Tracking since
Sep 29, 2026
history will chart every change

One-time cash bonus for new cardholders; certain terms, conditions and exclusions apply.

  • Larger than about 90% 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 Oct 12, 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$180$180
Typical spender$1,200$450
Heavy spender$1,740$990
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 $6,000 in 3 months.

$180a year

The same in the first year and after.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: welcome bonus needs $6,000 in 3 months.

$450a year

$1,200 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.

$990a year

$1,740 the first year, with the welcome bonus.

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 80% of the 732 cards we track.

  • No annual fee, like about 85% of the 711 cards we track.
  • Lower top APR than about 70% of the 163 cards on our Sign-up bonuses list (see the list).

Other cash back cards with no annual fee

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%
Travel booked through Capital One Business Travel
1.5%
Everything else

Cash back, as a share of each purchase.

Benefits

  • Complimentary Capital One Business Travel (Complimentary access to an all-in-one business travel management solution.)
  • Complimentary Integrated accounts payable solution (Free access.)
  • $0 annual fee.
  • No foreign transaction fees on purchases made outside of the United States.
  • Free employee cards.
All 21 benefits
  • Customized spending limits for employee cards.
  • Virtual card numbers for safer online payments.
  • Year-end spending summaries.
  • Account managers can make purchases and payments, review transactions, and resolve problems.
  • Purchase records can be downloaded in Quicken, QuickBooks, and Excel formats.
  • Choose your own monthly due date.
  • Automatic payments through AutoPay.
  • Transaction details and recurring-transaction tracking.
  • Online and mobile app account access.
  • Security and fraud alerts by text, email, and phone.
  • Card lock.
  • Emergency replacement and cash advance if the card is lost or stolen.
  • Customer support from Capital One Business representatives.
  • Roadside
  • Extended warranty
  • Other

Changes

16.74%16.99% since Oct 8Oct 8Today
  • Oct 8, 2026 APR 16.74%16.99%

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
Intro APR9 months
Foreign transactions

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?
$0 · capitalone.com, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. · capitalone.com, since Oct 11, 2026
What is the purchase APR?
16.99–26.99% APR · capitalone.com, since Oct 8, 2026
Is there an intro APR?
0% for 9 months. · capitalone.com, since Sep 29, 2026
Is there a welcome bonus?
$750 cash back after $6,000 in purchases in 3 months. · capitalone.com, since Sep 29, 2026
What credit do you need?
Excellent · capitalone.com, since Oct 21, 2026
See it on capitalone.com

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