Capital One Spark 2% Cash Plus
$2,000 cash bonus after you spend $30,000 in 3 months. $150 a year.
- Welcome offer
- Issuer's pagecapitalone.com
“Spark Cash Plus Welcome Bonus: Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months.”
- Annual fee
- Issuer's pagecapitalone.com
“Get your $150 annual fee refunded on your account anniversary every year you spend at least $150,000.”
- Foreign transaction fee
- Issuer's pagecapitalone.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $90 | $90 |
| Typical spender | $450 | $450 |
| Heavy spender | $1,280 | $1,280 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: welcome bonus needs $30,000 in 3 months.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 85% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
$2,000 cash
After you spend $30,000 on purchases in your first 3 months.
Earn an additional $2,000 cash bonus for every $500,000 spent during the first year; this additional bonus may be earned multiple times during the first year. The page advertises $4,000 or more in cash bonuses.
How you earn
- 5%Hotels and vacation rentals booked through Capital One Business Travel
- 5%Rental cars booked through Capital One Business Travel
- 2%Everything else
Rates and fees
| Annual fee | Issuer's pagecapitalone.com “Get your $150 annual fee refunded on your account anniversary every year you spend at least $150,000.” |
|---|---|
| Late payment | Issuer's pagecapitalone.com “Pay at least the minimum payment amount by your payment due date, otherwise you’ll be charged a 2.99% late fee.” |
| Foreign transactions | Issuer's pagecapitalone.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Annual fee refund: $150 annual
- Complimentary access to Capital One Business Travel, an all-in-one business travel management solution.
- No foreign transaction fees on purchases made outside the United States.
- Roadside assistance services for auto-related emergencies, including jump-starting, tire changing, and towing.
- 25% cash back on hotels and rental cars booked through Capital One Business Travel is not stated; the document states unlimited 5% cash back instead.
- Extended warranty
- Roadside
Questions
- What is the annual fee?
- $150 capitalone.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. capitalone.com, since Sep 29, 2026
- Is there a welcome bonus?
- $2,000 cash back after $30,000 in purchases in 3 months. capitalone.com, since Oct 4, 2026
Other cash back cards with fees up to $300
- Ink Business Premier(R) Credit Card: Cash BackChase · $195 a year−$45 a year
- Disney Inspire Card from ChaseChase · $149 a year−$145 a year
- Graphite Business Cash UnlimitedAmerican Express · $295 a year−$145 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).