Note: We may earn commissions (at no cost to you) if you buy through links on our site. Learn more.

Spark 2% Cash Plus from Capital One® review

Compare Compare  
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...

Fit Small Business
Fit Small Business

The Capital One® Spark Cash Plus card is a great option for businesses that can pay their balances in full every month and for those that need a flexible credit card. If you can’t commit to paying your full balance monthly, it’s best to find another card that offers a low ongoing APR.

- Tricia Tetreault, Fit Small Business
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. Add in the card’s current $3,000 cash back welcome bonus (which is en...

- Ben Schlappig, One Mile at a Time

The is suited to business owners who want to earn a flat rate of cash back rewards and don't mind paying an annual fee. This card could work well for you if you primarily charge everyday business expenses versus travel. You'd likely want to explore other card options if you'd prefer to earn points o...

- Rebecca Lake, MyBankTracker

The Capital One Spark Cash Plus Credit Card is a great business cash-back credit card to have in your wallet if you want a simple rewards-earning structure. However, before you apply for the card, ensure that the $150 annual fee is worth it. If it isn’t, you may want to consider a different business...

- Brett Holzhauer, CNBC

If your business spends a lot each year and you don’t want to be tied down to a card with a preset spending limit, the Capital One Spark Cash Plus could be for you. While this card may be most valuable for businesses with very large budgets, you can still maximize your spending with 2x rewards on ev...

- Holly Johnson, NextAdvisor


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
Suggest a correction

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

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.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with Spark 2% Cash Plus from Capital One®

Rate It: