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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
$1,500 after spending $20,000
Signup Bonus
$1,500 after spending $20,000

Informr score
The Spark 2% Cash Plus from Capital One® currently has an Informr score of 8.9 out of 10. This score is based on our evaluation of 39 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...


If you're a big spender looking for a low-maintenance business rewards card with a reasonable annual fee, the Spark Cash Plus is worth a look.

- Garrett Yarbrough, Bankrate

The Capital One Spark Cash Plus is a solid choice for certain small business owners, though it isn’t right for everyone. As a cardholder, you can earn unlimited 5% cash back on rental cars and hotels booked through Capital One Travel and 2% back on everything else. The card also comes with a lucrati...

- Jess Ullrich, Time

This Spark Cash Plus is a good fit for businesses with high spending that don't want to worry about specific earning categories. Every time you swipe this card, you know you're getting at least 2% back.

- Jenna Hansen, AwardWallet
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 $150 bonus when you spend $150,000 on the card in a year (essentially a refund of the annual fee), and has no pre-set spending limit. If you spend a lot on your b...

- Ben Schlappig, One Mile at a Time

The Spark Cash Plus card is a terrific option for small-business owners looking for a simple way to earn cash back on almost everything they buy. It should be an especially great fit for heavy spenders thanks to its annual fee refund and flexible spending limits, but the card’s generous flat cash ba...

- Nouri Zarrugh,


Interest Rates
Regular APR Interest Rate

Balance Transfer Interest Rate

Cash Advance Interest Rate

Rates & Fees
Annual Fee $150.00

Refunded every year you spend at least $150,000

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 $1,500 after spending $20,000
  • On purchases within the first 3 months
  • Get an additional $1,500 once you spend $100,000 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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