Spark Cash Plus Cash Back Calculator

Credit Card Rewards Calculator
Calculate total cash back and the cash value of the Capital One Spark Cash Plus and compare results side by side top U.S. business credit cards.
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Last Updated 2022-04-11

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 serious 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 annually.

Card Details At-A-Glance

Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee
Income Requirement
Capital One Spark Cash Plus
Capital One Spark Cash Plus
Annual Fee: $150
Up To $1,000 Cash 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

2% Cash Back

The Capital One Spark Cash Plus 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.

Card Benefits

$200 Cash Bonus

Every year that you run $200,000 in spend across the Capital One Spark Cash Plus, you'll receive a $200 cash bonus. This complete wipes out the $150 annual fee and puts an extra $50 in your pocket on top of the $4,000 in cash back you would earn running this much spend through the card.

No Preset Spending Limit

The Capital One Spark Cash Plus has no preset spending limit. The amount you can spend on the card adapts to your needs based on spending behavior, payment history, and credit profile.

Capital One & Visa Business Benefits

The Capital One Spark Cash Plus comes with a bunch of Capital One and Visa Business benefits. This includes:

  • 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

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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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.