Last updated: 8/18/2021

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Capital One Spark Cash Plus

Earns: Cash Back

GigaTake:

2% is the highest cash back around for a business card. Just make sure that you spend enough to make the $150 annual fee worthwhile.

This card is best for:

  • All Spending

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Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} Cash Back
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

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${{annualFeeAmount | number}}Annual Fee

${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

Pros

  • 2% cash back is the highest cash back rate for a business card.

Cons

  • $150 annual fee.

See how the Capital One Spark Cash Plus compares to other credit cards

Capital One Spark Cash Plus Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 2x

Value = 1 cent per point
Effective Value = 2 %

0%
3%

Welcome Bonus = 50,000

Value = 1 cent per point
Effective Value = $500

$0
$1700

Annual Fee = $150

$0
$995
Welcome Bonus
$500

OK

Bonus Rating

Cash Back

After you spend $5,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
2% All Spending

Excellent

excellent

Excellent

In the top 15% of cards.

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
Cash Back
Gigapoints Value
1¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Other Card Information

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.

Annual Fee
  • $150
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

Additional perks of owning this card

$200 Annual Bonus

Earn an annual $200 cash bonus every year you spend $200,000 or more.

The Fine Print

PURCHASES APR No APR; pay off your balance in full every month to avoid a 2.99% late fee.
FOREIGN TRANSACTION FEE 0%