Capital One
Capital One Spark Cash Plus Benefits, Credits & Annual Fee
$150 / yr · Earns Cash Back
A flat-rate cash back business charge card that earns unlimited 2% back on all purchases and 5% on hotels and rental cars booked through Capital One Business Travel. Best for high-spending businesses that want simple, uncapped rewards.
- 5%Travel
- 5%Entertainment
- 2%Everything Else
- $150Fee Refund
Maintained by Creddy Editorial · Catalog checked Oct 9, 2026
Capital One Spark Cash Plus at a Glance: $150 Annual Fee, Issuer and Rewards
- Annual fee:
- $150 / yr
- Issuer:
- Capital One
- Rewards:
- Cash Back
Capital One Spark Cash Plus Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Travel general | 5% | Portal bookings only |
| Entertainment | 5% | Portal bookings only |
| Everything else | 2% |
Who Should Get the Capital One Spark Cash Plus?
The Capital One Spark Cash Plus fits people who want one flat rate: 2% on every purchase. With a $150 annual fee and no recurring credits in Creddy's catalog, your rewards need to cover the fee. It is a business card.
Is the Capital One Spark Cash Plus Worth the $150 Annual Fee?
The Capital One Spark Cash Plus costs $150 a year and lists no trackable statement credits, so its value has to come from earning rates and perks. Compare the rates above with your spending before paying the fee. Credits that need a spending threshold are not counted.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Capital One Spark Cash Plus Welcome Bonus
$2,000 cash bonus; additional $2,000 for each $500,000 spent in the first year
Offer history
- Sep 8$2,000 cash bonus; additional $2,000 for each $500,000 spent in the first year
- Sep 7$2,000 cash bonus plus $500 limited-time Business Travel credit; additional $2,000 for each $500,000 first-year spend
- Sep 2$4,000+ in cash bonuses & a $500 travel credit
Tracked since Oct 2024
Capital One Spark Cash Plus Statement Credits and When They Reset
- Annual Fee Refund$150 / yrTrackableMin spend $150,000
Get your $150 annual fee refunded as a statement credit each year you spend at least $150,000 in net purchases. The credit is applied automatically once you reach the threshold before your membership anniversary date. You must hit the spend minimum every year to receive the refund.
Resets: Card anniversaryChecked Sep 13, 2026
Capital One Spark Cash Plus Travel Benefits
Travel Benefits
- Capital One Business Travel Platform
Get complimentary access to Capital One Business Travel, a platform for managing business travel. Use the platform to arrange and manage trips; complimentary access does not mean that travel bookings are free.
Checked Sep 27, 2026 - Roadside Assistance
Business cards offer services to help during auto-related emergencies, such as jump-starting, tire changing, and towing.
Checked Oct 9, 2026
More Capital One Spark Cash Plus Card Benefits
Bonus Earnings
- 5% Cash Back on Capital One Entertainment Purchases5%
Earn 5% cash back on purchases made through Capital One Entertainment, such as event tickets. Buy on the Capital One Entertainment ticketing platform with your card. Tickets bought elsewhere earn the regular rate.
Checked Oct 9, 2026 - 5% Cash Back on Hotels, Vacation Rentals, and Rental Cars5%
Earn unlimited 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
Checked Sep 14, 2026 - Unlimited 2% Cash Back on Every Purchase2%
Earn 2% cash back on every business purchase, with no category restrictions or earning limits. Cash back accumulates automatically and can be redeemed as a statement credit or check. This flat rate applies everywhere the card is accepted, with no rotating categories to track.
Checked Jul 4, 2026
Purchase Protection
- $0 Fraud Liability
If your card is lost or stolen, you are not liable for unauthorized charges. Emergency card replacement and cash advance assistance are available.
Checked Oct 9, 2026 - Extended Warranty
Get free additional warranty and protection on eligible items purchased with the card.
Checked Oct 9, 2026
Concierge & Membership
- Dedicated Relationship Manager
Your business may be able to work with a dedicated Relationship Manager. They can help you choose the best card for your business and find ways to earn more rewards on your spending. Access depends on eligibility.
Checked Oct 9, 2026
Fees & Miscellaneous
- Free Employee Cards
Add free employee and virtual cards so your team can make purchases while you earn rewards on their transactions. Set customized spending limits and see transactions as they post.
Checked Sep 14, 2026 - No Foreign Transaction Fees
This card charges no additional fees when you make purchases abroad or in a foreign currency. The waiver applies automatically, whether you're buying in person overseas or shopping from international websites.
Checked Jul 4, 2026 - No Preset Spending Limit
Your card has no preset spending limit, giving your business flexibility for purchases. The amount you can spend is not unlimited; it adjusts based on factors including your spending behavior, payment history and credit profile.
Checked Sep 27, 2026
Capital One Spark Cash Plus vs Other Capital One Cards
- Capital One Spark 2x Miles$95 / yr
- Capital One Spark Cash for Business$95 / yr (waived year 1)
- Capital One Venture Business$95 / yr
- Capital One Spark 1.5% Miles SelectNo annual fee
Related credit card guides
How to Track Credit Card Benefits Without a Spreadsheet
Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
Capital One Spark Cash Plus FAQs
Is the Capital One Spark Cash Plus worth the annual fee?
Compare Capital One Spark Cash Plus's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
Which benefits does Creddy list for Capital One Spark Cash Plus?
Creddy's September 26, 2026 catalog lists Annual Fee Refund for Capital One Spark Cash Plus. Review the benefits and earning-rate tables for the conditions; confirm current coverage, enrollment and restrictions with Capital One. This is a dated catalog summary, not certification that every listed benefit is currently available on your account.
What is the annual fee for the Capital One Spark Cash Plus?
Capital One lists a $150 annual fee for Spark Cash Plus, checked September 26, 2026. It offers an annual fee refund after at least $150,000 in net purchases by the rewards membership anniversary date, with the credit normally appearing within two billing cycles after that anniversary. Check the offer and account terms that apply to you.
Does the Capital One Spark Cash Plus come with a welcome bonus?
Welcome offers for Capital One Spark Cash Plus can change and may depend on your application or account history. Check Capital One's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the Capital One Spark Cash Plus?
Capital One Spark Cash Plus may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the Capital One Spark Cash Plus compare to other Capital One cards?
Compare Capital One Spark Cash Plus with other Capital One cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.