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Capital One Spark Cash Plus Card – Full Review [2023]

Name: Capital One Spark Cash Plus Card – Full Review [2023]
Item: Capital One Spark Cash Plus Card
Rating: 4.25
Author: Jarrod West

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"Earn unlimited 2% cash-back on every purchase"

The Capital One Spark Cash Plus Card offers an unlimited 2% back on all purchases and helpful features for business owners.

Learn More (at Capital One's secure site)

Jarrod West

- Updated: March 10, 2023, 9:19am CST

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 earn a $200 annual cash bonus, and free employee cards, there is something that every business owner will love.

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
$200 annual cash bonus each year you spend $200,000 or more
Free employee cards
No foreign transaction fees
Extended warranty coverage
Payment flexibility (pick your own due date)

Cons

$150 annual fee

Capital One Spark Cash Plus Card — Snapshot

Welcome Bonus & Info (Partner Content)
- Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
- Earn unlimited 2% cash back on every purchase, everywhere – with no limits or category restrictions
- Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
- Earn an annual $200 cash bonus every year you spend $200,000 or more – that’s enough to cover your annual fee and then some
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Add employee cards for free, and earn unlimited 2% cash back from their purchases
- $150 annual fee
- Spark Cash Plus has no APR because your balance is due in full every month
Card Categories:
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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 $200,000 or more on the card each year, allowing you to earn the $200 annual cash bonus

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 — Fees

Foreign Transaction Fees
$0
Interest Rates
- N/A
Late fees
- 2.99% of the unpaid portion of your minimum payment.
Balance Transfers
- Balance transfers are not available on Spark Cash Plus
Cash Advance APR
- Fee: 3% of the amount of the cash advance, but not less than $3

Alternative Cards to the Capital One Spark Cash Plus Card

Capital One Spark Cash Select for Business

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% back on all purchases, and enjoy benefits including payment flexibility, free employee cards, and no foreign transaction fees.

Capital One Spark Miles for Business

For those that 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/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, Capital One Spark Miles for Business, and Capital One Spark Miles Select for Business was independently collected by Upgraded Points and was 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 a $200 annual cash bonus each year you spend $200,000 or more.

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.

About Jarrod West

Jarrod has been writing about the ins and outs of credit cards and loyalty programs, along with airlines and hotels, for over 6 years. He is regularly called upon to share his expertise on the latest news within the space, and has been featured in publications such as Matador Network, The New York Times, RetailMeNot, and Yahoo! Finance. Jarrod has over 20 credit cards in his wallet and has tested out dozens more in order to vet the very best card options for readers. As he is constantly sampling new cards, Jarrod also earns (and redeems) over 1 million points and miles each year. This allows him to book luxury travel experiences the world over, and save tens of thousands of dollars in the process.

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Capital One Spark Cash Plus Card – Full Review [2023]

Pros

Cons

Capital One Spark Cash Plus Card — Snapshot

Great Card If

Don't Get If

Capital One Spark Cash Plus Card — Fees

Alternative Cards to the Capital One Spark Cash Plus Card

Frequently asked questions

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

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

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

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

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

About Jarrod West

Any thoughts or questions? Comment below! Cancel reply

Advertiser Disclosure

Pros

Cons

Capital One Spark Cash Plus Card — Snapshot

Great Card If

Don't Get If

Capital One Spark Cash Plus Card — Fees

Alternative Cards to the Capital One Spark Cash Plus Card

Frequently asked questions

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

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

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

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

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

About Jarrod West

Any thoughts or questions? Comment below! Cancel reply

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Advertiser Disclosure