Chip Lupo, Credit Card Writer
@CLoop
Yes, the Capital One Spark Cash Plus does have a late fee of 2.99% of the unpaid portion of your minimum payment, which applies when cardholders don't make the minimum payment by the due date. The late fee for the Capital One Spark Cash Plus card can never exceed the minimum payment amount, though, thanks to the CARD Act of 2009.
If you accidentally make less than the required minimum payment or you miss your Capital One Spark Cash Plus due date entirely, you can always ask customer service to waive the late fee by calling the phone number on the back of the card. This is much more likely to work if you have a great payment history with Capital One, but even if not, there's no harm in asking.
To avoid getting hit with late fees in the future, make sure to make the required payment each month. The best way to ensure that you never miss a payment is by setting up autopay.
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