Spark Cash Select applicants generally need excellent credit for approval (i.e. we recommend a score above 750), but simply having such a credit score doesn't necessarily guarantee approval.

Issuers typically make proprietary modifications to publicly available scoring models, in addition to considering factors such as your income and assets.

However, you can see where your credit stands and thus getter a better sense of your approval odds by signing up for a free account with WalletHub​​​​​​​. WalletHub is the only website that offers free credit scores and full credit reports that are updated on a daily basis.

Yes, the Capital One Spark Cash Select does a hard inquiry on your credit report when you apply. A hard inquiry usually results in a 5-10 point decrease in your credit score, but it's easy to recover from this after a few months of responsible credit use. The hard inquiry allows Capital One to determine your credit risk and ultimately decide whether you'll be approved for an account.

The Spark Cash Select is available to people with excellent credit. You...

The Spark Cash Select (see details, rates & fees) card is a Mastercard credit card. That means you can use this card virtually everywhere in the world as Mastercard is one of the card networks with the most extensive international acceptance.

More specifically, you can use your Spark Cash Select (see details, rates & fees) card at 10.7 million merchant locations in the U.S. and in more than 200 countries worldwide.

The Capital One Spark Cash Select (see details, rates & fees) Card is not a metal credit card, as it is made of plastic like most other credit cards. There's no functional difference between a plastic card like the Spark Cash Select (see details, rates & fees) Card and a metal credit card, though, so don't dismiss the Spark Cash Select (see details, rates & fees) Card just because it isn't metal. If you like the card's terms and benefits, you should still consider applying.

Metal credit cards are usually expensive luxury cards. Some popular examples of...

Yes, the Spark Cash Select (see details, rates & fees) does offer a roadside assistance benefit. Spark Cash Select (see details, rates & fees) roadside assistance gives cardholders 24/7 access to various types of assistance such as towing, gas delivery, and more. 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.

Spark Cash Select (see details, rates & fees) roadside assistance is a pay-per use service. You can get the fine-print details, such as any limitations on your services, by reading your card's benefits guide or calling Capital One customer service.

You can learn more about the best credit cards with roadside assistance here on WalletHub.

The minimum requirements for the Spark Cash Select (see details, rates & fees) are being an owner, officer, or partner of a business, having excellent personal credit, and earning enough income to make monthly card payments. You'll also need a Social Security number or International Tax Identification Number.

Minimum Spark Cash Select (see details, rates & fees) Requirements

• Enough income to make the monthly minimum payment
• Social Security number or International Tax Identification Number
• Excellent credit 
• Employer Identification Number (EIN)    
• At least...

To get a Spark Cash Select (see details, rates & fees) replaced, log in to your online account, use the Capital One mobile app, or call customer service at the phone number listed on their website. 

How to Get a Spark Cash Select (see details, rates & fees) Replaced Online

1. Log in to your Spark Cash Select (see details, rates & fees) online account.
2. Click the "I Want To..." tab.
3. Click the link to "Replace a Missing Card".

Other Ways to Get a Spark Cash Select (see details, rates & fees) Replaced

• Mobile app: Log...

The Capital One Spark Cash Select (see details, rates & fees) categories for bonus rewards are hotel and rental cars booked through Capital One Business Travel. Purchases that fall into the Spark Cash Select (see details, rates & fees) bonus categories get cardholders extra rewards compared to the card's base earning rate.

If you're looking to get a rewards credit card, it's a good idea to choose a card that offers the opportunity to earn bonus rewards in your most frequent purchase categories. So, if you spend a lot in...

You can find the current Capital One Spark Cash Select (see details, rates & fees) payment address listed on your monthly statement. You can also find it by visiting Capital One's website or calling customer service at the number on the back of your card.

When paying Spark Cash Select (see details, rates & fees) bills by mail, be sure to submit either a check or money order for the payment amount. Capital One does not accept cash.

Tips for Mailing Spark Cash Select (see details, rates & fees) Payments

• Include your credit card...

To cancel a Spark Cash Select (see details, rates & fees), call customer service at the number on the back of your card or log in to the Capital One website or mobile app and click on "I want to...". Cardholders can also cancel an account in person at a Capital One branch.

Be aware that if there's a balance remaining on the canceled account, you are still required to make at least the minimum payment every month until the balance...