Spark Cash Plus
Capital One
Spark Cash Plus
Offer Strength
Great offer$500 above typical value
Show breakdown
Estimated bonus value: ~$2,000
Base score: 69
Current $2,000 vs typical $1,500
Net value after annual fee: ~$1,850
Estimate based on our value hints; not financial advice.
Annual Fee
$150/yr
Spark Cash Plus
Welcome Offer
Earn a $2,000 cash bonus after spending $30,000 in the first 3 months.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Bonus cooldown policy
Some cards appear to enforce a waiting period between bonuses. The cooldown varies by issuer — from 24 to 60 months depending on the card.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
2% cash back on every purchase (unlimited)
5% on hotels and rental cars via Capital One Business Travel
$2,000 bonus for every $500,000 spent
Key benefits
Unlimited 2% cash back on every purchase
Unlimited 2% cash back on every purchase
5% on hotels and rental cars via Capital One Business Travel
5% on hotels and rental cars via Capital One Business Travel
No preset spending limit
No preset spending limit
$150 annual fee refunded after $150,000 annual spend
$150 annual fee refunded after $150,000 annual spend
No foreign transaction fees
No foreign transaction fees
Perks
Free employee cards with individual spending limits
Free employee cards with individual spending limits
Virtual card numbers for online purchases
Virtual card numbers for online purchases
Itemized spending reports for tax time
Itemized spending reports for tax time
Good fit for
About this card
The Capital One Spark Cash Plus is a business cash back card with a $150 annual fee. New cardholders can earn 2,000 cashback after spending $30,000 in 90 days.
Best for
small business owners
Key considerations
The $150 annual fee requires moderate use to justify.
Downgrade Options
If you decide to cancel, consider product-changing to keep your account history.
Card analysis
Offer analysis
The current offer on the Spark Cash Plus awards 2,000 cashback after spending $30,000 within 90 days of account opening.
Annual fee value
This card carries a $150 annual fee. Evaluate whether the sign-up bonus and ongoing rewards justify the cost based on your spending patterns.
In the first year, the sign-up bonus alone delivers approximately $1,850 in net value after the annual fee.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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