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.

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.

Loading Calculator...
If the calculator doesn't load after a few seconds, click here to re-load calculator.

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 an unlimited 2% cash back on all purchases ran through the card. It also earns 5% cash back on select Capital One Travel purchases.

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.