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Capital One

Spark Cash Plus

Annual fee
$150
Network
visa
Type
business

It earns unlimited 2% cash back on purchases, plus 5% cash back on hotels and rental cars booked through Capital One Business Travel.

Capital One Spark Cash Plus

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Perqt Analysis

Three ways to value this card. Only one of them is yours.

01Published
$150

What the issuer advertises.

02Realistic
$0

Pays out with no hoops.

03Yours
Open your wallet

From your real spend and redemptions.

$150 of the advertised value — 100% — comes with strings attached.

Why Perqt says this
  • $150 advertised across 1 benefits.
  • $150 (100%) needs a booking, enrollment, or deadline.
  • Biggest credit — Annual fee refund (Spend Tier), $150 — comes with conditions.
  • No-hoops value covers 0% of the annual fee.
Better fit if
  • You'll actually use Annual fee refund (Spend Tier).
  • 5× on hotels, vacation rentals and rental cars matches your spend.
Probably not if
  • You won't use Annual fee refund (Spend Tier).
  • You want the fee covered without chasing — $150 short.

Welcome offer

Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months. Earn an additional $2,000 bonus for every $500,000 spent in the first year.

Est. value
$2,000
Minimum spend
$30,000
Within
3 mo

Earning rates

  • Every purchase
    2×
    cash back
  • Top earn
    Hotels, vacation rentals and rental cars
    5×
    cash back
    Capital One Business Travel

On-card benefits & credits

  • Annual fee refund (Spend Tier)
    $150
    /Annual

    Receive a $150 statement credit each membership year after at least $150,000 in net purchases by the anniversary date. It posts within two billing cycles after the rewards membership anniversary. Unlocks after $150,000 calendar-year spend on the card.

  • No Foreign Transaction Fees
    $0
    /As needed

    Pay no foreign transaction fees on purchases made outside the United States.

  • Roadside Assistance
    $0
    /As needed

    Provides roadside services for auto-related emergencies, including jump-starting, tire changing and towing. The source does not state that service charges are covered.

  • Extended Warranty
    $0
    /As needed

    Provides additional warranty and protection at no charge on eligible items purchased with the card; terms, conditions, and exclusions apply.

  • Capital One Business Travel access
    $0
    /Annual

    Complimentary access to Capital One Business Travel, an all-in-one business travel management solution.

  • Virtual card numbers
    $0
    /Annual

    Use virtual card numbers to make online payments without exposing the actual card number to merchants.

  • No Preset Spending Limit
    $0
    /As needed

    The card has no preset spending limit; available spending capacity adapts based on spending behavior, payment history, credit profile and other factors.

  • Employee Cards
    $0
    /Annual

    Add employee cards at no stated fee, track employee spending and earn rewards from employee purchases.

Other Capital One cards

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