Capital One Spark Cash Plus - Rewards Calculator & Benefits

The Capital One Spark Cash Plus is one of the best cash back business cards on the market. Calculate rewards based on spend and compare results.

The Capital One Spark Cash Plus is one of the best cash back business cards on the market thanks to its great earning rate and easy to redeem rewards.

The card earns 2% back on all purchases which can be well worth the small annual fee if you plan on making this your main business credit card. If you're a heavy spender, you can earn a $200 cash bonus every year you spend $200,000 or more on the card.

Like all other Capital One credit cards, the Spark Cash Plus has a 0% foreign transaction fee which also makes it one of the best no foreign transaction fee business cards on the market as well.

If you're able to run some heavy spend through the Spark Cash Plus Card, it will easily be worth the $150 annual fee as you'll be able to rake in large amounts of cash back with ease.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Rewards Rate Details

The Capital One Spark Cash Plus does not feature any bonus categories. It earns cash back at a flat rate of 2% on all purchases ran through the card. There is no limit to the amount of cash back you can earn at this rate and no limit to the amount of cash back you can earn with the card overall.

  • 2% All Purchases

Perks & Benefits

The Capital One Spark Cash Plus offers an annual cash back for spending more than $200K during the year. Outside of that, you'll receive your standard Capital One business card benefits.

  • Annual $200 Cash Bonus
    • Earn an annual $200 cash bonus every year you spend $200,000 or more.
  • No Preset Spend Limit
    • Spark 2% Cash Plus adapts to your needs based on spending behavior, payment history and credit profile.
  • Capital One & Visa Business Benefits
    • Year-End Summaries
    • Purchase Records w/ Export To Quicken, Quickbooks, and Excel
    • Ability To Assign Account Managers
    • Virtual Card Numbers
    • Free Employee Cards
    • Roadside Assistance
    • Extended Warranty
    • Card Lock

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

Credit Card

This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
$
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Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
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Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
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Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Categories
Change Order
Options
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
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Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
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Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
Card 1
Card 2

Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
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Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
Card 1
Card 2

Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Value:
Return:
Card 2
Value:
Return:
Capital One Spark Cash Plus
Capital One Spark Cash Plus
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
Rewards Rate
2%
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Main Card Highlights
  • 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
  • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
  • Earn an annual $200 cash bonus every year you spend $200,000 or more
  • Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Add employee cards for free, and earn unlimited 2% cash back from their purchases
  • $150 annual fee
  • Spark Cash Plus has no APR because your balance is due in full every month
  • Pay zero foreign transaction fees on purchases made outside of the United States.
Annual Fee
$150
Authorized User Fee
$0
Foreign Transaction Fee
0%

FAQ

Is the Capital One Spark Cash Plus good?

Yes. It is one of the best cash back business credit cards and best no foreign transaction fee business credit cards on the market.

What rewards does the Capital One Spark Cash Plus earn?

The Spark Cash Plus earns 2% cash back on all purchases ran through the card.

Should I get the Spark Cash Plus or Spark Cash Select?

The Spark Cash Plus is the better option if you plan on spending more than $30,000 per year on the card. If not, you'll want to go with the no-annual fee Spark Cash Select.

Which is better, Spark Cash or Spark Miles?

The Spark Miles program is only better if you plan on transferring your Spark Miles to Capital One's transfer partners. If not, the Spark Cash program will typically be the better option.

Updated 2021-08-19 By Robert Flowers III
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