Can you carry a balance on the Capital One Spark Cash Plus Card?

The Capital One Spark Cash Plus (see details, rates & fees) does not have a balance transfer fee because it does not allow balance transfers at all. That means you’ll need to look for another credit card to help reduce the cost of existing debt.

There are a few credit cards with no balance transfer fee on the market. There are also a lot of 0% APR balance transfer cards. Picking one of these cards could help you save big on interest while you pay off your debt.

If you want to...

You can request a Capital One Spark Cash Plus (see details, rates & fees) credit limit increase online, through the Capital One mobile app, or by calling customer service at the number on the back of your card. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Capital One has on file. Capital One will be more likely to increase your credit...

Yes, it is typically hard to get the Capital One Spark Cash Plus (see details, rates & fees) because it requires at least excellent credit for approval. Unless your credit score is excellent and you have a lot of income, it will be difficult for you to get approved for the Capital One Spark Cash Plus (see details, rates & fees).

You can check your credit score for free here on WalletHub to get a better idea of whether you’ll qualify. In addition to meeting the credit score requirement, you’ll need to have a steady income that's big enough to...