Capital One Spark Cash Plus

Card Value & Cash Back Calculator

The Capital One Spark Cash Plus is one of the best cash back business cards thanks to it's unlimited 2% cash back and easy to redeem rewards. If you're a heavy business spender, you can earn a bonus $200 every year that you spend $200,000 or more on the card which wipes out the card's annual fee and puts an extra $50 back in your pocket on top of the $4,000 in cash back you would earn running this much spend through the card.

Intro Bonus: Earn up to $1,000 cash bonus

Rewards Rates

5%
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
2%
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions

Current Intro Bonus

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.

Key Cardholder Benefits

  • 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
  • Add employee cards for free, and earn unlimited 2% cash back from their purchases
  • Spark Cash Plus has no APR because your balance is due in full every month

Annual Fees

The Capital One Spark Cash Plus has a $150 annual fee. If you're able to spend $200,000 on the card during the calendar year ($16,667 per month), you'll receive the $200 bonus which will offset the fee and put extra money in your pocket.

When compared against the Capital One Spark Cash Select for Business, the Spark Cash Plus will be the better option if your business plans on spending more than $30,000 per year ($2,500 per month).

The Spark Cash Plus has a 0% foreign transaction fee and there is no cost to add employee cards which makes it one of the best cash back business credit cards available.

Cash Back Calculator

Calculate how much cash back you can earn with the Capital One Spark Cash Plus based on spend and compare the results side by side top rewards credit cards.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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Earning Rate Comparison

Want to know how the Capital One SavorOne Card stacks up against other cards in the family? Check out the table below!

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FAQ

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

The Spark Cash Plus credit card offers an annual $200 cash bonus each year you spend $200K or more, 2% back on every purchases with no limits or category restrictions, and free employee cards.

What is the credit limit for the Capital One Spark Cash Plus credit card?

The Spark Cash Plus has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, and credit profile.

Is there an annual fee for the Capital One Spark Cash Plus credit card?

The Capital One Spark Cash Plus has a $150 annual fee. You can easily wipe this out by earning the $200 annual cash bonus after spending $200,000 on the card during the calendar year.

How do you redeem cash back rewards with the Capital One Spark Cash Plus credit card?

Cash back earned with the Capital One Spark Cash Plus credit card can be applied as a statement credit to the card. This means that you can basically redeem your rewards for anything that you can charge to the card.

Is the Capital One Spark Cash Plus credit card good for small business owners?

The Spark Cash Plus is great for any small business that plans on spending over $2,500 per month on the card.

How much cash back can I earn with the Capital One Spark Cash Plus credit card?

The card earns an unlimited 2% cash back on all purchases. You can use our Spark Cash Plus cash back calculator to estimate how much you will earn!

Does the Capital One Spark Cash Plus credit card charge a foreign transaction fee?

The Capital One Spark Cash Plus has a 0% foreign transaction fee which means you can earn 2% cash back on purchase worldwide without worry!

Calculate Total Rewards & Card Value Per $1 Spent For 200+ U.S. Credit Cards
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