Capital One Spark Cash Card

Capital One · US

Sign-up bonus

$1,000 cash back

Annual fee

$0 first year, then $95

Purchase APR

24.49%

Cash advance APR

30.49%

Penalty APR

32.9%

Fees/APR in USD; SUB in raw points or USD; logged-out public offer, captured 2026-08-23

How to earn it

Spend $10,000 · within 3 months

Tracked since 2026-07-22 (7 snapshots). As the archive grows, sign-up-bonus and fee changes appear here.