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Capital One Spark Cash Card Has $1,000 Welcome Bonus Offer

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Juan Ruiz
Edited by: Ryan Smith
& Jestan Mendame
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A $1,000 welcome offer is hard to ignore — and that’s exactly what you’ll find with the Capital One Spark Cash CarInformation collected independently. Not reviewed by Capital One..

Capital One has just launched one of the most lucrative cash bonuses in this card’s history: Earn $1,000 after spending $10,000 in the first 3 months.

While the spending requirement is still steep, it’s far more manageable than the card’s previous highest-ever offer, which required $30,000 in spending for $2,000 in bonus value.

Let’s take a look at this new, elevated offer in detail.

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Capital One Spark Cash Card Welcome Offer

New applicants for the Capital One Spark Cash card can earn a $1,000 cash bonus after spending $10,000 on their card in the first 3 months from account opening.

Previously, this card offered a $1,500 welcome bonus after spending $15,000 on purchases within the first 3 months of account opening, so both the spending requirement and the welcome bonus amount have gone down.

Capital One Spark Cash
Image Credit: Capital One

Earning $1,000 from $10,000 in spending amounts to a 10% return on spending. If you can meet the minimum spending requirement, that’s a great return on your spending.

Key Features of the Capital One Spark Cash Card

The Capital One Spark Cash card offers unlimited 2% cash-back on spending, as well as 5% cash-back on hotels and rental cars booked through Capital One’s travel booking site.

The Capital One Spark Cash card has a very modest annual fee, with a $0 introductory annual fee in the first year and $95 annually after that.

Cash-back from this card can be redeemed in any amount you choose and doesn’t expire. Moreover, if you have a card that earns Capital One miles, you can combine your cash-back with that account to redeem Capital One miles — providing additional redemption options from your earnings.

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Should You Apply for the Capital One Spark Cash Card Now?

The Capital One Spark Cash previously featured a welcome offer of $1,500 after completing a higher spending requirement. This new offer is smaller but requires less spending. Spending $10,000 within 3 months may be beyond the spending capacity of some small businesses.

If you’ve had your eye on this card and were already thinking about applying, then you should definitely apply while the elevated bonus is available. Just make sure you can achieve the $10,000 minimum spending requirement during the first 3 months to receive the full $1,000 welcome offer.

However, if your small business has only modest spending capabilities, then applying for this card won’t make sense if you can’t unlock the large welcome offer because of the spending requirement.

For small businesses with serious spending, this welcome bonus offer could be extremely rewarding.

Hot Tip:

You don’t need a large warehouse or a dozen employees to qualify for a small business credit card. Numerous businesses qualify for a business credit card; some of those on the list may surprise you.

Final Thoughts

The Capital One Spark Cash card has a new welcome offer of a $1,000 cash bonus after spending $10,000 within the first 3 months. This is an attractive offer for businesses that can meet the spending requirements.

This latest offer, while requiring a sizable $10,000 in spend over 3 months, provides a 10% return on spending — and that’s on top of the 2% cash-back you’ll earn on purchases along the way.

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About Juan Ruiz

Juan is a leading expert in credit cards, loyalty programs, and airlines and hotels, with over a decade of experience helping readers and clients maximize points, miles, and travel value. His insights have appeared in prestigious outlets including USA Today, Travel & Leisure, CNN Underscored, Forbes, and The Points Guy, where he’s known for making complex travel strategies accessible and actionable. As the founder of JetBetter, Juan turns the complex world of points and miles into effortless, high-value travel, guiding clients through award redemptions, uncovering maximum value, and delivering stress-free, expertly planned trips that both travelers and industry insiders rely on.

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