Spark® Miles from Capital One®

No Balance Transfer Fee. The credit card company will not charge you a fee if you transfer a balance to this card. If you intend to make several balance transfers over a period of 5 years or more, this is the perk for you.

No Over-the-Limit Fee. You won’t pay an over-the-limit fee if your credit card balance goes over your credit limit.

For Example:

Let’s say your credit card limit is $5,000. One month, you spend more than your limit on the card. Some credit card companies will charge you between $25 and $35 for this mistake. If your card advertises no overlimit fee, you won’t be charged a penalty for your spending.

Extended Warranty Insurance. This credit card extends the original manufacturer’s warranty of an item. You get the benefits of an extended warranty without purchasing the store’s expensive extended warranty.

Lost or Stolen Baggage Insurance. The credit card will cover replacing the contents of lost, damaged, or stolen bags, up to a given dollar value.

Medical Insurance. This credit card company can arrange medical transport and appropriate medical attention while traveling.

Purchase Protection. If that thing you bought is stolen or accidentally damaged within a specific period of time, you’re covered. The credit card company may reimburse you up to the full purchase price.

Rental Car Insurance. This credit card covers any damage from collision or theft on most rental vehicles, up to the value of the car.

Travel Accident Insurance. If you’re ever in an accident while on a vehicle licensed to transport the general public, you’ll want this insurance. It covers injuries from losing an eye or a limb all the way up to death.

Emergency Cash Advance. If your credit card is lost, damaged or stolen, you can ask the credit card company for some emergency cash. They will authorize the payment, which you can collect from a designated financial institution.

Emergency Card Replacement. Whether your card is lost, stolen or damaged, the credit card company can provide help as soon as next day. It doesn’t matter if you’re still on vacation, the credit card company will mail a replacement to you wherever you are. This will be done free of charge.

The credit card company’s Fraud Protection keeps your account safe from unauthorized charges. In fact, once the charges are proven fraudulent, you will be guaranteed a refund. All you have to do is check your statement. If you find something wrong, contact the credit card company and file a claim.

Zero Liability. If you didn’t buy it, don’t pay for it. You will not be held responsible for any unauthorized charges that appear on your account.

Bonus Miles. This card gives you an opportunity to earn bonus airline miles when you sign up. This offer is usually valid for a specified time, usually a few months.

No Annual Fee for the First Year. This credit card company waives its annual fee for the first year. You’ll get a year to decide if the card is worth the fee before you have to renew.

No Blackout Dates. With this credit card, you avoid dates when travel rewards and other special discounts and promotions are unavailable.

No Foreign Fees. With this credit card, you won’t pay any fees on any transactions you make while traveling overseas.

Roadside Assistance. This credit card company can arrange for someone to meet you for roadside repairs. They can also organize to have your car towed to your home or a shop within a specific radius.

Travel and Emergency Assistance. This credit card provides you with referrals and assistance for emergency services.

Travel Discounts. That credit card in your wallet can give you discounts on your next vacation: flights, hotels, or car rentals. You may also get discounts on tickets for attractions, like museums, theme parks, and other experiences.