Evelyn Boros, Credit Cards Moderator
@evelyn_boros
Capital One Spark Cash Plus purchase protection covers the damage or theft of eligible purchases for up to 90 days after the purchase date. Purchase protection will reimburse Capital One Spark Cash Plus cardholders for up to $10,000 and up to $50,000 per cardholder. For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
How to File a Purchase Protection Claim with the Capital One Spark Cash Plus
- Call the Benefit Administrator at the number in your card’s benefits guide, within 60 days of the incident.
- File a police report within 48 hours of the incident, if the item was stolen.
- Submit a completed claim form within 90 days of the incident.
- Wait for a decision. Capital One will notify you of a decision once your claim has been processed. This could take Capital One up to 15 days.
- Get reimbursed for the cost of repairing or replacing the item, if your claim is validated by the Benefit Administrator.
Be aware that not all items are covered by the Capital One Spark Cash Plus purchase protection benefit. To see which items are covered by this perk, check the guide to benefits that came with your card.
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What does the Capital One purchase protection cover?
Capital One purchase protection covers the damage or theft of eligible purchases for up to 90 days after the purchase date. Purchase protection will reimburse eligible Capital One cardholders up to $10,000 per item and up to $50,000 per cardholder. Be aware that not all types of purchases are covered under Capital One purchase protection.
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