Capital One Spark is a common business credit card offered by Capital One to cardholders of all sizes. The credit line is good for purchases of up to $1500. You have a chance to earn a percentage of that amount, which is called the “spark”. This gives you the ability to earn cash back rewards for just about every purchase you make.
Since there is no annual fee, this credit card would be good for those who need to build credit and have a built social safety net. There are many different types of cards out there, but this one comes out on top for many reasons. Capital One gives you many different options for earning rewards, including cash back, air miles, and even gift cards from their store. This article examines and reviews each Capital One spark card so that you can decide which one makes the best sense for you, whether small or large.
As you may have guessed, the main attraction to this card is the offer of a free spark when you spend at least a certain amount over a three-month period. They call it their welcome offer and it really does make you feel special. The three months that they offer are called the Silver, Gold, and Platinum Waves. Here is how you can use the offer to build credit:
The platinum wave card offers the highest rewards, but also has the lowest annual fee. It is the best of both worlds because you get the benefits of earning lots of rebates, but you don't pay an annual fee. The gold wave card is usually the best choice for cash back and mile-based programs. Finally, the silver wave cards are a middle ground offering some benefits and a lower annual fee.
When you sign up for the Capital One spark card, you get the opportunity to earn as much as five percent rebate off purchases at select grocery stores, gasoline stations, department stores, drugstores, and drug stores. When you use the spark card on those purchases, you will receive a rebate. This is referred to as the spark cash bonus offer. In order to receive the rebates, you need to spend at least a certain amount each month. The trick is that it doesn't cost anything to receive the rebates, so virtually anyone can take advantage of the offer.
In order to receive the rebates, you need to spend at least twenty dollars at any of these participating retailers during the month that you receive the rebate. You will be credited the amount of your purchase instantly. This is referred to as the “cash bonus” amount. You can use the cash bonuses at any time during the year for whatever you wish. You also earn two,000 points when you open a new account with this card, which can then be used towards earning even more cash bonuses.
The second card offers that Capital One provides to its members is the Free Employee Cards. These cards are designed to be used by employees of a company. They provide the option to manage their own spending through the credit line, as well as having added protection from fraud. Both of these special spending cards come with no annual fee and are backed by a full satisfaction guarantee.
The Free Employee Cards has a $500 spending limit, but there is an annual fee attached. This fee may vary depending on which card you choose. Finally, there is the Brex card that has no annual fee and is backed by a full satisfaction guarantee. The Brex card offers the same type of rewards program that the Free Employee Card has, along with a twenty-four month revolving balance fee and unlimited points.
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Capital One credit cards have become increasingly common in North America over the past few years. They're an attractive credit card option for people who need some credit boost but don't want to be committed to a long-term agreement. The downside is that once you've used the credit after payment period, you are unable ...
Capital One Rewards Credit Cards are accepted at millions of locations across the United States. There is no annual fee and you don't have to carry a credit card that you can't use. You also have an opportunity to earn up to 2% cash back on every purchase you make. These are the best ...