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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Capital One Spark Cash Plus

The simplicity of 2% cash back on a charge card with no preset spending limit. Information collected independently. Not reviewed by Capital One.

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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Capital One Spark Cash Plus

The simplicity of 2% cash back on a charge card with no preset spending limit. Information collected independently. Not reviewed by Capital One.

BONUS OFFER

Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months

💵 Your Projected Rewards Value
Year 1 tbd
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Key facts

The Capital One Spark Cash Plus is a charge card, meaning you won’t have a set credit limit.

Capital One credit cards and charge cards never charge foreign transaction fees.

Annual Fee:

$150

AVG Point Value:

$0.01 (Learn More)

Min. Credit Score for Approval:

800-850 * Excellent

Foreign Transaction Fee:

0%

WhIle you can earn 5% back on car rentals and hotels booked via the Capital One Travel portal, everything else earns a simple 2% cash back.

Reward multipliers

WhIle you can earn 5% back on hotels and rental cars booked via the Capital One Travel portal, everything else earns a simple 2% cash back.

Earns bonus points for spend in the following bonus categories:

Only when booked via Capital One Travel; Otherwise earn 1X.

5x
Car Rentals

Estimated Rewards Value: 5%

Only when booked via Capital One Travel; Otherwise earn 1X.

5x
Hotels

Estimated Rewards Value: 5%

2x
Everything Else

Estimated Rewards Value: 2%

ALREADY HAVE THIS CARD?

Pair another card and boost your rewards

In some cases, adding cards from the same points system will increase your rewards by unlocking a higher point value based on the ability to transfer points to air or hotel partners. In other cases, the cards simply work together to earn more points with one bank or diversify your bonus category rewards across banks.

Key features

1

Unique Card Benefits

Transfer to Capital One Miles with Eligible Cards

If you also have a Capital One Spark Miles for Business credit card, or a personal Venture X, Venture, or VentureOne credit card, you can transfer the cash earned on the Spark Cash Plus to those cards where they will become Capital One Miles, transferable to a range of air and hotel transfer partners.

$200 Cash Bonus Available Yearly For Big Spenders

Earn a $200 cash bonus as a statement credit for every year that you spend $200,000 or more on the Capital One Spark Cash Plus.

2

Has No Preset Spending Limit

As a charge card, your spending will determine how much you can charge in a month.

While your spending power isn’t unlimited, this is a perfect card for small business owners that put extraordinary amounts of spend on credit cards, since traditional credit cards are likely to max out at a limit that is too low for your needs. Monthly spends in the hundreds of thousands or dollars are possible with charge cards.
Pay your Spark Cash Plus in full each month to avoid any service fees. If you’re late or don’t pay in full, you’ll pay a 2.99% monthly late fee.

3

Does Not Report Credit Line to Personal Credit Profile

While Capital One will perform a hard credit inquiry on your personal credit when you apply for a Spark Cash Plus to assure credit-worthiness and check your payment history, they will not report your utilization of this card, or that you even have it, to the personal credit bureaus.

The only exception is if you become delinquent on your payments. Keep in mind that you are still jointly liable with your business for charges on the Capital One Spark Cash Plus, as with all small business (non-corporate) cards.

4

Extended Warranty

The extended warranty policy offered on the Capital One Spark Cash Plus card will add 1 extra year to the original manufacturer’s warranty for warranties of 3 years or less. The maximum coverage amount per item is $10,000 and $50,000 per year.

5

Roadside Assistance

When you have auto-related emergencies, such as needing jump-starting, tire changing or towing, this service will have it arranged for you. Additional fees apply for the services.

6

No Fees for Authorized Users

Employee cards are free. You can get your employees their own Capital One Spark Cash Plus cards and track limit their spend with ease – all at no additional fee.

7

No Foreign Transaction Fees

You’ll never be charged foreign transaction fees when you make purchases in a foreign currency with the Capital One Spark Cash Plus (or any Capital One card).

Earn more rewards by combining credit cards

Capital One Spark Cash Plus
? Best Combo
See how much more you'll earn in rewards when you combine these two cards.
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Pros & cons

  • With no preset spending limit, the Capital One Spark Cash Plus is a perfect business card for businesses with a high amount of monthly spend.
  • You'll never pay any foreign transaction fees.
  • 2% cashback on all purchases.
  • The $150 annual fee may be high if you aren't going to put significant spend on this card.
  • There are no bonus categories other than car rentals and hotels via the Capital One Travel portal.
  • Does not have a full range of trip protections or purchase protections, although it does offer Extended Warranty coverage.

Capital One Spark Cash Plus

Learn How To Apply

Our review

The Capital One Spark Cash Plus replaced the older Spark Cash business card, with the primary difference being that the Spark Cash Plus is a charge card. The charge card features means that the Capital One Spark Cash Plus can be more easily used for bigger purchases and by companies with very high monthly spend, without bumping up against a credit limit for your business expenses.

You earn 2% cash back on all eligible purchases, plus 5% when you book hotels and rental cars through the Capital One Travel Portal.

rental-cars-capital-one-spark-cash-plus

If you have a separate credit card that earns Capital One Miles, like the Venture X, Venture, VentureOne, or Spark Miles, you can transfer your cash from the Capital One Spark Cash Plus to those cards, making them Capital One Miles – transferable to airline and hotel partners. $10 = 1,000 Miles.

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Frequently asked questions

1

Does the Capital One Spark Cash Plus have an annual fee?

Yes, it’s $150

2

Does the Spark Cash Plus get you into airport lounges?

No, there is no access to airport lounges with this card.

3

Is it hard to get the Capital One Capital One Spark Cash Plus?

If you have an excellent credit score, it is not hard to get the Spark Cash Plus

4

Is it worth getting the Capital One Spark Cash Plus?

If you value simplicity in your business credit cards, earning 2% cash back on everything, and where you also have no preset spending limit (due to it being a charge card), this could be a great card for your business. We recommend it highly for businesses with a huge volume of spend, along with the Chase Ink Premier card.

5

How do I earn points / cash with the Spark Cash Plus?

You’ll earn 2% in cash back on everything you buy. You’ll also earn 5% back on hotels and car rentals booked with the Spark Cash Plus in the Capital One portal. If you have a separate credit card that earns Capital One Miles, like the Venture X, Venture, VentureOne, or Spark Miles, you can transfer your cash to those cards, making them Capital One Miles – transferable to airline and hotel partners. $10 = 1,000 Miles.

6

Is there a better credit card than the Spark Cash Plus?

The Chase Ink Premier card is very similar, but also offers 2.5% cash back when your charge is over $5,000. However, there is absolutely no way to turn the Ink Premier’s cash back into anything other than cash.

7

Does the Spark Cash Plus charge foreign transaction fees?

No, like all Capital One credit cards, there is no foreign transaction fee.

8

Does the the Spark Cash Plus have car rental coverage?

No.

9

Does the the Spark Cash Plus come with any Elite Status?

No.

10

Does the Spark Cash Plus offer extended warranty?

The extended warranty policy offered on the Capital One Spark Cash Plus card will add 1 extra year to the original manufacturer’s warranty for warranties of 3 years or less. The maximum coverage amount per item is $10,000 and $50,000 per year.

11

Does the Spark Cash Plus offer purchase protection?

No.

12

Does the Spark Cash Plus offer trip protections?

No.

13

What credit score do I need to get the Spark Cash Plus?

You’ll want an excellent credit score of around 800 to apply.

14

What can I do with the points earned for spending on the the Spark Cash Plus?

You simply earn cash back. However, if you have a separate credit card that earns Capital One Miles, like the Venture X, Venture, VentureOne, or Spark Miles, you can transfer your cash from the Capital One Spark Cash Plus to those cards, making them Capital One Miles – transferable to airline and hotel partners. $10 = 1,000 Miles.

15

Does the Spark Cash Plus have Cell Phone Protection?

No.

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