2 Capital One cashback cards: Business 2%, Personal 1.5% [Card names change]
May 28, 2014, 1:20 am
#106
Formerly known as FTRox87
Join Date: Sep 2012
Location: TX
Programs: AA/US 1M, AS, BA, CX, EK, EY, JL, KE, LH, NH, OS, QF, QR, TG, UA/CO | *$G
Posts: 1,428
I have several 5% cb cards, but they don't always apply to the category I need. For example, if I'm shopping at a clothing store that isn't a department store, there isn't a card I'm aware of with a higher than 1% rate.
That's why I want a 2% cb card -- for everyday, unbonused spend.
That's why I want a 2% cb card -- for everyday, unbonused spend.
May 28, 2014, 1:29 am
#107
Join Date: Jan 2014
Location: USA
Programs: SPG Gold, HH Gold, Accor Platinum
Posts: 25
If there's a card that gets more than 2% on unbonused purchases (where the cashback is redeemable towards anything, not just travel), I'd love to learn about it.
May 28, 2014, 7:00 am
#108
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,959
See this thread:
http://www.flyertalk.com/forum/credi...es-change.html
Capital One periodically changes the names of their cards, but the rewards programs are essentially the same.
Threads merged by moderator, for your convenience.
http://www.flyertalk.com/forum/credi...es-change.html
Capital One periodically changes the names of their cards, but the rewards programs are essentially the same.
Threads merged by moderator, for your convenience.
Last edited by MDtR-Chicago; May 28, 2014 at 8:45 am
May 28, 2014, 4:41 pm
#109
Join Date: Jan 2008
Location: Georgia
Programs: DL DM/2MM
Posts: 1,037
I have both the Cap1 Spark card for business and Cap1 Venture card for personal. Simple and you get what you pay for. I have to wait for travel expenses before I can cash in the Venture points, and I have to do it within 90 days of the travel charges. I'm happy to see the $11800/yr analysis as I easily spend this much in a year.
Dec 12, 2014, 7:22 pm
#110
Join Date: Apr 2002
Posts: 587
Cap One Spark Cash Card
Hi all, I got an offer for this card in the mail today. It gives 2% cash back on all purchases, no foreign transaction fees, and no annual fee. I used to have this card when there was a $39 annual fee. Looks like a good deal. Looks like Cap One is trying to compete with Citi Double Cash.
Dec 12, 2014, 9:02 pm
#113
Join Date: Nov 2010
Location: Traveling some where hopefully
Programs: AS, AA Gold, and Hilton
Posts: 1,954
Dec 13, 2014, 11:33 pm
#114
Join Date: Jun 2014
Location: TPA
Programs: BA Silver; Hilton Gold; IHG Diamond Ambassador; Marriott Gold
Posts: 2,814
Curious. The CapOne Disclosures page for the Spark Cash Card says:
And I can't find anything about a Foreign Transaction Fee at all.
Annual Fee $0 intro for the first year, $59 thereafter.
Dec 14, 2014, 4:35 pm
#116
Join Date: Apr 2002
Posts: 587
The Disclosure I have clearly states no annual fee. I'm not sure if this was a targeted mailing or if the card terms will eventually change to no annual fee.
Dec 18, 2014, 8:32 pm
#117
Join Date: Dec 2013
Posts: 3,509
The Spark Cash for Business card has an AF of $59 after the first year. The Spark Cash Select for Business card does NOT have an AF at all. Are you sure you care talking about the Spark Cash card and not the Spark Cash Select card?
Dec 19, 2014, 8:09 pm
#118
Join Date: Apr 2002
Posts: 587
Just double checked the offer. It is for the Spark Cash Card. Annual Fee: None.
Dec 22, 2014, 5:46 pm
#120
Join Date: Jun 2014
Location: TPA
Programs: BA Silver; Hilton Gold; IHG Diamond Ambassador; Marriott Gold
Posts: 2,814