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Capital One Spark Cash Plus

Capital One Spark Cash Plus
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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—that's enough to cover your annual fee and then some. 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
40% Complete
HighLow
Effort to Apply
10% Complete
DifficultEasy
Card Perks
80% Complete
PoorGood
Features
80% Complete
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

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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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