Capital One Spark Cash Plus
$150/yr
Capital One
Capital One Spark Cash Plus
4.5
(432 reviews)businesscashback
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026A premium business charge card (no preset limit) earning unlimited 2% back on all purchases. The $1,200 welcome bonus is one of the most generous available for business cards. Unlike credit cards, the balance must be paid in full monthly — great for disciplined businesses with large, variable expenses.
Annual Fee
$150
Purchase APR
0%
Rewards
2% base rate
Sign-Up Bonus
$1200 value
Credit Score
Excellent (750+)
Foreign Txn Fee
None
Who Should Get This Card
The Capital One Spark Cash Plus is best suited for experienced cardholders who high-spending businesses wanting simple flat-rate rewards. The $150 annual fee pays for itself if you spend $7,500+/year on this card.
This card is great if you…
- Unlimited 2% on all spending
- No preset spending limit
- $1,200 sign-up bonus
- High-spending businesses wanting simple flat-rate rewards
Consider another card if you…
- $150 annual fee
- Must pay in full monthly (charge card)
- Requires excellent credit
Rewards Breakdown
2% cash back on all purchases, 5% on hotels & rental cars via Capital One
| Category | Rate |
|---|---|
| Hotels (Capital One) | 5% |
| Rental Cars (Capital One) | 5% |
| Everything else | 2% |
Rewards Distribution
5%
top rate
Hotels (Capital One)5%42%
Rental Cars (Capital One)5%42%
Everything else2%17%
Sign-Up Bonus
$1,200 — $500 after $5,000 in 3 months + $700 after $50,000 in 6 months
Fees & APR
| Annual Fee | $150 |
| Purchase APR | 0% |
| Balance Transfer Fee | None |
| Foreign Transaction Fee | None |
| Late Fee | Up to $39 |
Pros & Cons
Unlimited 2% on all spending
No preset spending limit
$1,200 sign-up bonus
No foreign transaction fees
Annual cash bonus for heavy spenders
$150 annual fee
Must pay in full monthly (charge card)
Requires excellent credit
The Bottom Line
The Good: The Capital One Spark Cash Plus stands out for its unlimited 2% on all spending. The welcome bonus worth $1,200 adds significant first-year value. No foreign transaction fees make it a strong pick for international spending.
The Not So Good: $150 annual fee. The $150 annual fee means you need to use the card actively to justify the cost. You'll need excellent credit (750+) to qualify.
Our Verdict: With an editor score of 8/10, the Capital One Spark Cash Plus is one of our top-rated cards in its category. Make sure you'll earn at least $150 in value annually to justify the fee.
Frequently Asked Questions
What is the annual fee for the Capital One Spark Cash Plus?▾
The Capital One Spark Cash Plus has a $150 annual fee. Consider whether the rewards and perks you'll use offset this cost.
What is the sign-up bonus for the Capital One Spark Cash Plus?▾
The Capital One Spark Cash Plus currently offers a sign-up bonus worth approximately $1,200. $1,200 — $500 after $5,000 in 3 months + $700 after $50,000 in 6 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the Capital One Spark Cash Plus?▾
The Capital One Spark Cash Plus earns 2% on all purchases, and up to 5% in select bonus categories. Rewards are earned as cash back credited to your statement.
What credit score do I need for the Capital One Spark Cash Plus?▾
The Capital One Spark Cash Plus is recommended for applicants with excellent (750+) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Capital One Spark Cash Plus charge a foreign transaction fee?▾
No — the Capital One Spark Cash Plus has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the Capital One Spark Cash Plus?▾
The Capital One Spark Cash Plus has a variable purchase APR of 0%. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Capital One Spark Cash Plus best for?▾
The Capital One Spark Cash Plus is best for High-spending businesses wanting simple flat-rate rewards. A key advantage: unlimited 2% on all spending.
Annual Fee Break-Even
$1,000/mo
$100/mo$5,000/mo
Annual rewards earned: $240Annual fee: $150
Card pays for itself! You earn $90 more than the annual fee at this spend level.
Based on 2% base rewards rate. Bonus category spending may reduce your break-even point.
Customer Reviews
4.5
432 reviews
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