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Capital One Spark Cash Plus Card – Full Review [2024]

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Jarrod West
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Jarrod West

Senior Content Contributor

Countries Visited: 21U.S. States Visited: 24

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Edited by: Stella Shon
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Stella Shon

News Managing Editor

Countries Visited: 25U.S. States Visited: 22

With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...
& Kellie Jez
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Kellie Jez

Director of Operations & Compliance

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Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

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Capital One Spark Cash Plus Card
Terms Apply / Rates & Fees

Capital One Spark Cash Plus Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4.25
  • Up to $3,000

  • $150

  • N/A

  • Excellent (740-850)

Capital One Spark Cash Plus Card

The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners. (Information collected independently. Not reviewed by Capital One.)

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4.25

The Capital One Spark Cash Plus Card is great for business owners looking to improve their bottom line by earning 2% cash-back on all purchases without a high annual fee. Further, with no preset spending limit, the ability to get your $150 annual fee refunded every year you spend at least $150,000, and no-additional-fee employee cards, there is something that every business owner will love (rates & fees).

Card Snapshot

Welcome Bonus & Info

  • For a limited time through March 11th, 2024, earn up to a $3,000 cash bonus: $1,500 once you spend $20,000 in the first 3 months, and an additional $1,500 once you spend $100,000 in the first 6 months
  • Earn unlimited 2% cash back on every purchase, everywhere – with no limits or category restrictions
  • This card has no preset spending limit, so you get purchasing power that adapts to your spending needs
  • Get your $150 annual fee refunded every year you spend at least $150,000
  • Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
  • This is a pay-in-full card, so your balance is due in full every month
  • $150 annual fee
  • Spark Cash Plus has no APR because your balance is due in full every month

Pros

  • Unlimited 2% cash-back on all purchases
  • 5% cash-back on hotels and rental cars purchased through Capital One Travel
  • No preset spending limit
  • Get your $150 annual fee refunded every year you spend at least $150,000 (rates & fees)
  • Complimentary employee cards
  • No foreign transaction fees (rates & fees)
  • Extended warranty coverage
  • Payment flexibility (pick your own due date)

Cons

Great Card If

  • You’d like to earn an uncapped 2% cash-back on all purchases
  • You want a card with helpful business features including no preset spending limit, payment flexibility, and free employee cards
  • You’ll spend $150,000 or more on the card each year, allowing you to get your $150 annual fee refunded every year (rates & fees)

Don’t Get If

  • You want a card with no annual fee
  • The majority of your business expenses fall within 1 or 2 bonus categories, and you’d like a card that optimizes for those expenses

Capital One Spark Cash Plus Card — Is It Worth It?

For business owners looking to boost their bottom line, the Capital One Spark Cash Plus card is a great option thanks to its unlimited 2% cash-back on all purchases. There are very few business cards available that offer uncapped 2% cash-back on all purchases, which makes this perk even more valuable.

Plus it includes perks like roadside assistance, extended warranty coverage, free employee cards, no foreign transaction fees, and get your $150 annual fee refunded every year you spend at least $150,000 (rates & fees).

Capital One Spark Cash Plus Card Top Benefits

Card Protections

  • Roadside Assistance: Call the number on the back of your card in the event of any auto-related emergencies, such as jump-starting, tire changing, and towing.
  • Extended Warranty Coverage: Items purchased with your card with extended warranties of 3 years or less receive 1 additional year of coverage.

Annual Cash Bonus

While not an automatic benefit of the card, those who spend $150,000 on the card in a calendar year will get your $150 annual fee refunded every year, in addition to the $4,000 they would have received for the card’s 2% cash-back on all purchases.

This might not seem like it moves the needle much, but if your business has the capacity for that spend anyway, then this certainly is a welcome perk. Plus, knowing you’ll meet this threshold makes it easy to mentally write off the card’s [up cc_id=335516 name="capone-spark-cash-plus-annual-fee-number"] annual fee (rates & fees).

Best Way To Earn and Redeem Cash-back Rewards

The best way to earn as much cash-back as possible with your card is to use it for all of your business expenses. This should be easy to do since you know you’ll be earning an uncapped 2% cash-back on every purchase you make, in addition to 5% cash-back on hotels and rental cars purchased through Capital One Travel.

Once you’ve earned your cash-back, you can use it to offset business expenses you put on your card at the end of each billing cycle.

Alternative Cards to the Capital One Spark Cash Plus Card

Capital One Spark Cash Select for Business

Capital One Spark Cash Select for Excellent Credit

Capital One Spark Cash Select for Excellent Credit

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Spark Cash Select card is a great no-annual-fee business credit card that earns 1.5% cash-back on all purchases.

Capital One Spark Cash Select for Excellent Credit

The Capital One Spark Cash Select card is a great no-annual-fee business credit card that earns 1.5% cash-back on all purchases.
Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening.
$750
$0
18.49% - 24.49% Variable

If you’re looking for a cash-back business card with no annual fee, Capital One Spark Cash Select card offers 1.5% cash back on every purchase.

Pros

  • Unlimited 1.5% cash back on every purchase
  • 5% cash-back on hotels and rental cars booked through Capital One Travel
  • No annual fee
  • No-additional-cost employee cards
  • Travel and emergency assistance
  • Roadside assistance
  • Extended warranty coverage

Cons

  • Lack of bonus categories
  • Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere – with no limits or category restrictions
  • No annual fee
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Rewards won’t expire for the life of the account
  • Redeem your cash back rewards for any amount
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • $0 Fraud Liability for unauthorized charges

Financial Snapshot

  • APR: 18.49% - 24.49% Variable
  • Foreign Transaction Fees:

Card Categories

If you like the idea of earning cash-back rewards on all of your business purchases, but don’t like the idea of paying an annual fee, the Capital One Spark Cash Select card is a great solution. For no annual fee, you’ll still earn an uncapped 1.5% cash-back on all purchases, and enjoy benefits including payment flexibility, no-additional-fee employee cards, and no foreign transaction fees.

Capital One Spark Miles for Business

Capital One Spark Miles for Business

Capital One Spark Miles for Business

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)

Capital One Spark Miles for Business

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
50,000 miles
$900
$0 intro for the first year, $95 after that
26.24% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Capital One Spark Miles for Business is a great option for business owners looking for an uncomplicated rewards card that earns double miles on every purchase they make and offers access to transfer partners, all for a low annual fee.

 

Pros

  • Unlimited 2x miles per $1 spent on all purchases
  • 5x miles per $1 spent on hotel and rental cars purchased through Capital One Travel
  • 2 complimentary visits to a Capital One Lounge per year
  • Up to a $100 Global Entry or TSA PreCheck credit
  • Access to Capital One transfer partners
  • No foreign transaction fees
  • Free employee cards
  • Extended warranty coverage

 

Cons

  • Annual fee: $0 intro for the first year, $95 after that

 

  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
  • Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases

Financial Snapshot

  • APR: 26.24% (Variable)
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

 

For those who prefer travel rewards to cash-back, enter the Capital One Spark Miles card. With it, you’ll earn an uncapped 2x miles per $1 on all purchases, plus 5x points per $1 on hotels and rental cars booked through Capital One Travel. You’ll also receive a Global Entry or TSA PreCheck credit, 2 free entries to Capital One Lounges or Plaza Premium Lounges each year, and access to the Capital One travel transfer partners.

The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Spark Cash Select for Excellent Credit was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Information regarding the Capital One Spark Miles for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

What are the benefits of the Capital One Spark Cash Plus card?

The top benefits of the Capital One Spark Cash Plus card are an uncapped 2% cash-back on all purchases and 5% cash-back on hotels and rental cars purchased through Capital One Travel. Plus, get helpful perks such as no preset spending limit, free employee cards, no foreign transaction fees, and get your $150 fee refunded every year you spend at least $150,000.

Is the Capital One Spark Cash Plus card a Visa or Mastercard?

The Capital One Spark Cash Plus card is a Mastercard.

Does the Capital One Spark Cash Plus card have a credit limit?

The Capital One Spark Cash Plus card does not have a preset spending limit. Instead, your spending power adapts to your spending behavior, payment history, and credit profile.

Does the Capital One Spark Cash Plus card have an annual fee?

Yes, the Capital One Spark Cash Plus card charges a $150 annual fee.

Does the Capital One Spark Cash Plus card charge foreign transaction fees?

No, the Capital One Spark Cash Plus card does not charge foreign transaction fees.

Jarrod West's image

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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