Card details · Capital One
Capital One Spark Cash Plus review: fees, rewards and APR
The Capital One Spark Cash Plus is a credit card from Capital One with a $150 annual fee. By our overall score it ranks #107 of the 242 credit cards we rank (store-only cards excluded), and #12 of 20 Capital One cards. It is listed in our business rankings.
Key facts
- Issuer
- Capital One
- Network
- Visa
- Annual fee
- $150
- Welcome offer
- Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months. + $2,000 for every $500k spent in first year
- Our overall score
- 58 (#107 of 242 cards)
Sign-up bonus history
We have tracked this card’s welcome offer since April 2026 and have not recorded a change in its headline amount ($2,000). How we track offer history.
Rewards
- Unlimited 2% cash back
- 5% on hotels/rental cars through Capital One Business Travel
Where it ranks
- Overall: #107 of 242 cards (score 58)
- Capital One credit cards: #12 of 20
- Business cards: #23 of 46 by our business score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Capital One’s own site) as of October 9, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the Capital One Spark Cash Plus?
$150, as stored in our database. Confirm the current fee on Capital One’s site.
Does the Capital One Spark Cash Plus have a welcome bonus?
Our database lists this offer: Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months. + $2,000 for every $500k spent in first year Offers change often and terms apply.
Does the Capital One Spark Cash Plus have a 0% intro APR?
Our database lists no intro APR offer for this card.
How does the Capital One Spark Cash Plus rank on YourBestCards?
#107 of 242 cards by our overall score (58). In our category lists: #23 of 46 business cards.
Has the Capital One Spark Cash Plus sign-up bonus changed?
Not in its headline amount, as far as we have tracked since April 2026: it has stayed at $2,000 in our records. Offers can change at any time; terms apply.
Other top Capital One cards
- 1.5% cash back on all purchases
- 5% on Capital One Travel hotels/rentals
- Annual fee
- $0
- Annual fee
- $0
- No rewards
- Annual fee
- $0
- #4
Venture X Business
Score 74- Unlimited 2X miles
- 5X on hotels/rentals, flights through Capital One Business Travel
- Annual fee
- $395
- Welcome offer
- Earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening
- #5
Venture Business
Score 72- 5X miles on travel such as hotels, vacation rentals, and rental cars booked through Capital One Business Travel
- unlimited 2X miles on every purchase for your business.
- Annual fee
- $95
- Welcome offer
- Earn 100,000 when you spend $10,000 in the first 3 months
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.