What are the best Capital One Spark Cash Plus credit card benefits? This question is about the Capital One Spark Cash Plus

What are the best Capital One Spark Cash Plus credit card benefits?

This question is about the Capital One Spark Cash Plus

Chip Lupo, Credit Card Writer

@CLoop • 10/26/21 This answer was first published on 10/26/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The best Capital One Spark Cash Plus benefits are roadside assistance and extended warranty. The Capital One Spark Cash Plus credit card also has virtual card numbers and $0 fraud liability, which are more common perks across Capital One credit cards. For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Capital One Spark Cash Plus Credit Card Benefits

Roadside assistance
Extended warranty
Virtual card numbers
$0 fraud liability
Free employee cards
Rental car insurance

Along with these benefits, the Capital One Spark Cash Plus credit card has a $150 annual fee and gives rewards on all purchases. As long as you have excellent credit, the Capital One Spark Cash Plus credit card is certainly a card to consider adding to your wallet.

What credit score do you need for a Capital One credit card?

You need a credit score of at least 700 (good credit) for the best Capital One credit card offers. However, other options are available for people with lower scores. It is possible to get approved for a credit card from Capital One with limited credit history or a bad credit score, for example.

Capital One Credit Score Requirements by Card

Capital One Venture Rewards Credit Card: 700 (Good credit)
Capital One VentureOne Rewards Credit Card: 700 (Good credit)
Capital One Quicksilver Cash Rewards Credit Card: 700+ (Good credit)
Capital One SavorOne Cash Rewards Credit Card:...

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What is the starting credit limit for a Capital One credit card?

There is no general starting credit limit for Capital One credit cards. Your credit limit will be based on your creditworthiness once your application has been approved.

When determining credit limits, factors such as your debt-to-income ratio, repayment history and the length of your credit history will play a significant role. Unfortunately, there's no surefire way of knowing your credit limit before applying and getting approved for a Capital One credit card.

How to get...

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How can I get approved for a Capital One credit card?

You can get approved for a Capital One credit card if you are at least 18 years old, have proof of enough income to make your monthly minimum payment, and meet the specific card’s credit score requirement. Capital One will also take into account your monthly housing payment and all sources of income, among other factors.

If you’re unsure whether you’ll be approved, Capital One offers the possibility to check if you pre-qualify for any of their...

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