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Spark 2% Cash Plus from Capital One® review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
Interest Rate: Purchases
Balance Transfer
Balance Transfer
2% cashback
2% cashback
Signup Bonus
$500 after spending $5,000
Signup Bonus
$500 after spending $5,000

Informr score
The Spark 2% Cash Plus from Capital One® currently has an Informr score of 9.1 out of 10. This score is based on our evaluation of 35 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Spark 2% Cash Plus from Capital One® is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Capital One Spark Cash Plus Card is a strong option for business owners with strong credit. The Spark Plus $150 annual fee is high when compared to similar cards, but business owners who find that they spend heavily on travel can earn lucrative rewards.

- Garrett Yarbrough, Bankrate

The Capital One Spark Cash Plus best suits businesses with high spending activities to maximize its rewards and bonuses. The card’s no preset spending limit feature also works if your expenses increase during different seasons. It may even meet the needs of a cardholder who holds other miles-earning...

- Alene Laney, MoneyGeek
One Mile at a Time
One Mile at a Time

The Capital One Spark Cash Plus is a lucrative business card that offers 2% cash back on all spending with no foreign transaction fees, a $200 bonus when you spend $200,000 on the card in a year, and has no pre-set spending limit. If you spend a lot on your business card and want to earn cash back r...

- Ben Schlappig, One Mile at a Time

The Capital One Spark Cash Plus is an ideal card if you don’t tend to spend the bulk of your funds on travel, shipping costs, or technology. While there are other business cards that give you bonus rewards for these common types of business spending, the Capital One Spark Cash Plus doesn’t offer bon...

- Christy Rakoczy, FinanceBuzz

If you have excellent credit and want a user-friendly cash-back card for yourself and your employees, the Capital One Spark Cash Plus card is worth a look. The ability to earn up to $1,000 as an early spend bonus is a nice perk that will help defray the $150 annual fee you’ll owe after your first ye...

- Amelia Josephson, SmartAsset


Interest Rates
Regular APR Interest Rate

Balance Transfer Interest Rate

Cash Advance Interest Rate

Rates & Fees
Annual Fee $150.00

Waived on the first year.

Balance Transfer Fee
Cash Advance Fee
Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee 2.99%

Monthly late fee

Sign up bonus $500 after spending $5,000
  • On purchases within the first 6 months.
  • Also earn another $500 once you spend $50,000 in the first 6 months.
All Purchases 2% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

Earn an annual $200 cash bonus every year you spend $200,000 or more.

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty Yes
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Virtual Cards Yes
Additional Benefits

Roadside Assistance

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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