Yes, the Spark Cash Plus Credit Card is harder to get than most credit cards because it requires an excellent credit score for approval. Having a rating below 750 will decrease your approval odds. Other determining key data points are a high income, credit history and income to debt ratio.

All Spark Cash Plus Credit Card members will earn a flat 2% cash back reward on every purchase, without categories or limitations. The card also offers a $1,000 sign-up bonus with spending requirements. There’s also an annual $200 cash bonus after spending at least $200,000. Cardholders will also receive roadside assistance, purchase protection, zero liability, extended warranty, free employee cards and much more.

There is no preset initial credit limit for this credit card. The amount you’ll get depends on factors such as credit history, income, credit score and more. Capital One might increase your limit periodically based on factors such as your spending behavior, credit profile and payment history.