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Capital One · Mastercard

Spark Cash Plus

This card is the new and improved Capital One Spark Cash card.

ByHillel Sonnenschine·

This card is the new and improved Capital One Spark Cash card. The card earns unlimited 2% cashback on all purchases. You get great purchase power as the card does not have a preset credit limit. Plus, every year your annual fee of $150 will be refunded if you spend $150,000 or more in the calendar year. Another cool thing about this card is that the cashback you earn can be transferred over to miles. Each penny will turn into one mile. But please note, you will need to have a Capital One card that earns miles in order to do so. Mile cards can either be a Capital One Venture card (all flavors) or a Spark Miles card.

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Annual fee
$150
Welcome bonus
~$4,000
Spend $30,000 in 3 months
Purchase APR
Charge card
Foreign tx fee
None
Welcome bonus
Highest ever!! Earn a total of $4,000. Earn $2,000 after spending $30,000 within the first 3 months. Plus, earn an additional $2,000 for every $500,000 you spend during the first year.
Estimated value: ~$4,000

Rewards

CategoryRate
cashback on hotels and car rentals booked through Capital One Business Travel Unlimited
5%
cashback on all purchases
2%

Benefits

  • Annual fee refund: Get $150 annual fee refund every year your business spends $150,000 or more on your card.
  • Credits: Get $150 annual fee refund every year your business spends $150,000 or more on your card.
  • Upgraded Statuses: Get complimentary Hertz Five Star® status. Skip the rental counter, choose from a wider selection of cars.

Best for

  • 15% on cashback on hotels and car rentals booked through Capital One Business Travel Unlimited
  • 22% on cashback on all purchases
Recommended credit
Excellent

Terms shown are illustrative based on publicly available information and may have changed. Always confirm current rates, fees, rewards, and terms with the issuer before applying.

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