Spark 1.5% Cash Select

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Score Needed: Excellent

At a glance

Welcome Offer

Earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months from account opening.

Limited Time Offer

New Offer

All time high

Rewards

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Points on other purchases

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Balance Transfer Intro

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Annual Fee

Spark 1.5% Cash Select

Application Tips

Get the best results with each application

Application Pending? Check your status by calling 1-800-903-9177 or 1-877-277-5901. Sometimes, all they need is a quick verification.

Thinking About 2 Cards?

Application Declined? If declined you can call 1 800 625 7866 to be reconsidered (Capital One will usually only reconsider an application due to application error

Approval Rules: Capital One allows a maximum of 2 personal branded cards. Generally, you can be approved for one personal card every 6 months, though this rule may have some flexibility.

Limit Increase

Credit Inquires

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Experian (personal cards) or Transunion (business cards) - If you freeze your Experian report they will pull your TransUnion and Equifax credit report for personal cards as well.

Application Inquires

Welcome Offer Eligibility:

Downgrade Options

Getting your card

Rescore your report: Some have been successful in getting a balance update off cycle with Capital One by requesting a supervisor to submit an off-cycle request.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits

Card holder benefits

As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.

Reward Terms

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Rewards redemption

Redeem your spending bonus

How to Redeem your valuable credits

Cash Redemption

Travel Redemption

Transfer your to any of the following Capital One Travel Partners.

Points Transfer Partners

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Fees

Fees you may encounter as a cardmember

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Balance transfer Intro Offer

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Balance transfer Terms

Foreign Transactions

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Why We Like it

Considerations

More questions? More answers.

Can I shift a credit limit from a card held by my partner to one of my cards if we are part of the same business?

No, you cannot transfer credit limits between different individuals' accounts, even if they are within the same business.

What is the minimum remaining credit limit required to transfer balances between Amex cards without being declined?

You must leave a minimum of $1,000 on the card you are transferring from if you want to keep both cards open.

I paid my balance and it no longer shows on my credit report but I still got denied for an Amex card due to a high balance. How can that be?

For existing customers, Amex doesn’t usually pull a new credit report. They base the decision on a credit report they get through the monthly soft pull they do for all cardholders, which can be up to 30 days ago. Unfortunately, there is no way to get Amex to pull a new report. On the letter you receive from Amex, it will tell you which date the report was pulled. I would advise you to reapply 30 days later.

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