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Spark 2% Cash
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Score Needed: Excellent
Spark 2% Cash
At a glance
Welcome Offer

Earn a one-time $750 cash bonus once you spend $7,500 on purchases within the first 3 months from account opening.

Limited Time Offer
New Offer
All time high
Rewards

5% cash back on rental cars booked through Capital One Travel

5% cash back on rental cars booked through Capital One Travel

2X
Points on other purchases
Intro APR
N/A
Balance Transfer Intro
N/A
Regular APR
Annual Fee
$0 for the first 12 months then $95
Spark 2% Cash

Unlock the power of effortless rewards with the Spark 2% Cash card. Earn unlimited 2% cash back on every purchase, every day, making it a smart choice for both personal and business expenses. Enjoy no foreign transaction fees, and benefit from easy cash management with flexible redemption options. It's a straightforward, powerful tool to maximize your financial benefits with simplicity.

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
Ratio
Transfer Partner
Transfer Time
Ends
Type
No transfer partners found
Fees
Fees you may encounter as a cardmember
See Rates and Fees
Balance transfer Intro Offer
N/A
Balance transfer Fee
Balance transfer Terms
Foreign Transactions
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Spark 2% Cash Click learn more to see if you qualify
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More questions? More answers.

What's the difference between a credit freeze and a credit lock on Experian?
There is no actual difference. By law, a freeze needs to be offered for free. Experian wants to charge you so they offer a freeze for free but for a lock they want you to pay a membership. They both do the same thing
Is it possible to reallocate my credit limit from a personal Chase card to a business card?
No, you can only transfer credit limits from personal to personal or from business to business within Chase.
Does obtaining a credit limit increase from Chase involve a credit check?
No, Chase does not pull credit for a credit limit increase.
Additional resources
Travel & Shopping
Top 9 Cards for Online Shopping
links to article
Financial Planning
Why Every Business Should Have a Line of Credit
links to article
Financial Planning
Unsecured Line Of Credit. What It Is And How To Get One
links to article
Travel & Shopping
The 9 Best Cards for Online Shopping
links to article