Capital One Spark Cash Plus
Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening. Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions. Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile. Earn an annual $200 cash bonus every year you spend $200,000 or more. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Add employee cards for free, and earn unlimited 2% cash back from their purchases. $150 annual fee. Spark Cash Plus has no APR because your balance is due in full every month.
Nav's Verdict
Cost
HighLow
Effort to Apply
DifficultEasy
Card Perks
PoorGood
Features
PoorGood
8/10
Bottom Line
This charge card is built for business owners looking for no spending limits or category restrictions.
Pros
A great intro rewards offer with rewards flexibility, solid benefits, for those with excellent credit.
Cons
Above average interest rate, steep penalties for late payments, annual fee after the first year.
Features & Benefits
Fraud Coverage
You're covered by $0 Fraud Liability if your card is ever lost or stolen
Intro APR
N/A
Purchase APR
N/A
Annual Fee
$150
Welcome Offer
Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
Rewards Rate
2% Cash Back on every purchase and 5% Cash Back on hotels and rental cars booked through Capital One Travel.
Foreign Transaction Fee
None
Reviews
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