Limited Time Offer – Earn up to $2,000 in cash bonuses
Spark® Cash from Capital One®
Credit Level Guidelines
Which of these 4 best describes you?
I’ve never declared bankruptcy or defaulted on a loan; I haven’t been more than 60 days late on any credit card, medical bill, or loan in the last year; I’ve had a loan or credit card for 3 years or more with a credit limit above $5,000.
I have not declared bankruptcy or defaulted on a loan in the past 5 years. I have a credit card or loan and have not been more than 30 days late on any payment in the last year.
I’ve defaulted on a loan in the past 5 years OR I have limited credit history. I’ve had my own credit card or other credit for less than 3 years (including students, people new to the U.S., or authorized users on someone else’s credit card).
I’ve defaulted on a loan more than once. OR I’ve been declined for a credit card in the last 3 months.
Unlimited 2% Rewards
Get unlimited 2% cash back and you could be putting thousands of dollars back into your business. Redeem at any time with no minimums.
Up to $2,000 in Cash Bonuses
Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
$0 intro for the first year, $95 after that
Fraud Coverage and Alerts
We’ve got you covered with zero fraud liability if your card is lost or stolen. Plus, get automatic fraud alerts via text, email or phone call.
18.74% variable APR
Free Employee Cards
Add employee cards for free and earn all the rewards from their purchases.
Rewards Your Way
Get cash back rewards for any amount at any time with no expiration date for the life of the account.