Card image Spark Cash Plus

Spark Cash Plus card

Check the key information to help with your decision.

Spark Cash Plus card

Check the key information to help with your decision.

By Geniuzz on 29/07/2026

Useful informations

Enhance your business earnings with an attractive 5% cash back for hotels and rental cars reserved through the Capital One Travel services.

The $150 annual fee can be waived every year you make at least $150,000 in purchases using this card.

Bank

Capital One

Contact

www.capitalone.com

Reputation

0 reward points

Card brand

Visa

Who is this Card for?

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Pros & Cons

Like anything in life, credit cards have pros and cons. Let’s list them below so you can evaluate:

Pros

Extended Warranty
Possible Annual Fee Waiver
International Card
Purchase Protection
Security Alerts
Rewards Program
Travel Insurance
Provides Additional Cards
International
Contactless Technology
Price Protection
Restaurant Discounts
Installments Without Interest
Concierge
Home Assistance
VIP Lounge
Exclusive Discounts
Cashback

Cons

Does not accept bad credit
No access to VIP lounge
Need to have a linked bank account
Credit limit subject to analysis
Does not have contactless technology
High interest rates
No rewards program
Annual fee
No points program
No airline miles

See more card details:

Consistent 2% Cash Back

Receive a steady 2% cash back on every business expense, without any restrictions or expiration.

Up to $2,000 Sign-Up Bonus

New users have the potential to secure a substantial sign-up bonus by fulfilling tiered spending conditions within six months.

Flexible Spending Power

Experience a card that adapts to your spending patterns and financial history, as it comes without a preset spending limit.

Annual Fee Reimbursement

Enjoy the benefit of having your $150 annual fee waived each year you spend $150,000 or more with your business.

Enhanced Travel Rewards

Achieve a remarkable 5% cash back when you book hotels and car rentals through the Capital One Travel platform.

Complimentary Employee Cards

Monitor employee expenditures and earn additional rewards from their business purchases at no extra annual fee.

No International Transaction Fees

Cut costs on overseas business travels and vendor payments, as this card incurs no fees for transactions made outside the United States.

Frequently Asked Questions (FAQ)

What is the cashback rewards system?

You will receive an unlimited 2% cash back on every business-related purchase, free from category restrictions or earning caps.

Is there a limit to how much I can spend on this card?

The Spark Cash Plus does not have a preset spending limit, offering flexibility that adjusts according to your spending habits.

Can I carry over a monthly balance with this card?

No, this card is designed as a charge card, which means the balance must be settled in full every month.

How can I have the annual fee waived?

Your $150 annual fee will be refunded by Capital One each year you reach a minimum of $150,000 in net spending on the card.

Are there any charges for transactions abroad?

No, this card does not impose any foreign transaction fees while making purchases internationally or while traveling outside the US.

What travel booking benefits does this card provide?

For hotels and rental car bookings made exclusively through Capital One Travel, you will earn a higher cashback rate of 5%.

Top 5 most requested cards

The card: Spark Cash Plus comes with these benefits from Visa

24/7 support for emergency situations

Points system to exchange for products

Accepted in thousands of locations worldwide

Perfect for your everyday purchases

Security and flexibility in payments

More security and comfort for your purchases

We’ve simplified the steps for you

We’ve outlined the steps to make it easier for you to apply for the card. Follow the step-by-step guide below:

1

Choose the option that best suits your needs

2

Access the financial institutions' channels

3

Start your registration by providing accurate information

4

Send the required documents

5

Submit your application

6

Wait for approval

Required documents

Visit the website of Capital One

Visit the official website and follow the provided instructions.

VISIT OFFICIAL WEBSITE
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