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 Organizzei on 29/07/2026

Useful informations

Enhance your business savings by earning 5% cash back on hotel and rental car bookings made via Capital One Travel.

If your annual business purchases reach $150,000 or more, you can have your $150 annual fee refunded each year with 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:

Unlimited 2% Cash Back

Receive a steady 2% cash back on all business transactions, with no caps or expiration dates.

$2,000 Cash Bonus

New applicants can secure a substantial sign-up bonus after satisfying tiered spending conditions within a six-month window.

No Predetermined Spending Limits

Enjoy flexibility with a card that adjusts to your financial history and spending patterns.

Annual Fee Refund

Your $150 annual fee will be refunded annually if you reach a minimum of $150,000 in annual spend.

Travel Rewards from Capital One

Get 5% cash back when booking hotels and rental cars through the Capital One Travel portal.

Complimentary Employee Cards

Track employee expenditures easily and earn rewards on their purchases without incurring additional annual fees.

No Foreign Transaction Fees

Avoid costs while conducting business internationally, as this card carries no fees for transactions outside the U.S.

Frequently Asked Questions (FAQ)

What is the cashback rewards structure?

You receive an unlimited 2% cash back on all business purchases, with no categories and no caps on earnings.

Is there a limit on spending with this card?

The Spark Cash Plus does not impose any preset spending limits, which offers you greater flexibility based on your financial usage.

Can I carry a monthly balance on this card?

As a charge card, the Spark Cash Plus mandates full payment of the balance each month to retain good standing.

How do I have the annual fee waived?

The $150 annual fee is refundable every year you spend at least $150,000 in net purchases with this card.

Are there foreign transaction fees?

No, this card does not charge fees for purchases made abroad or while traveling outside the United States.

What travel benefits does this card offer?

You can earn a higher cashback rate of 5% when you book hotels and rental cars through the Capital One Travel service.

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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