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* Suggested credit score ranges for credit cards are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.
* Suggested credit score ranges for credit cards are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.
If you’ve been considering a Capital One Spark Cash family card, this may be your sign.
The Spark Cash, with just a $95 annual fee (even better, it’s $0 the first year then $95 after that), is boasting an offer for $1,000 cash plus a $250 Capital One Business Travel credit when you spend $10,000 within 3 months.
It’s not an insignificant amount of spend, however, most businesses are probably spending over $3,333 a month so is it really that high in context? You’re also earning 2% back on that $10,000 in spend, so once you finish the early spend bonus, you’ll be sitting on $1,200 cash back.
The previous offer gave the $1,000 but lacked the extra $250 travel credit.
Capital One Spark Cash Review
(4.25) Our Review
- Low annual fee with 2% Cash Back
- No foreign transaction fees
- No bonus categories except within the Capital One Business Travel Portal
- Low annual fee with 2% Cash Back
- No foreign transaction fees
- No bonus categories except within the Capital One Business Travel Portal
Pros
- Low annual fee with 2% Cash Back
- No foreign transaction fees
- High Early Spend Bonus (Welcome Bonus Offer)
Cons
- Lacks a complete set of features and benefits that most annual fee cards have
- Capital One does a hard pull with all 3 credit bureaus when you apply
- Reports to your personal credit file
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2x-5x
Car Rentals
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2x-5x
Hotels
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2x
Everything Else
The Spark Cash Plus, a charge card designed for businesses with higher spend needing no preset spending limit, has a higher offer, but with higher required spend and a slightly higher annual fee ($150). This card is offering $2,000 and a $500 Capital One Business Travel credit after spending $30,000 in 3 months. Like the Spark Cash, the offer starts off like the previous offer, but the $500 travel credit is an add-on. That’s a real extra $500 on top of the $2,000 cash.
If you have a lot of non-bonus category business spend, this works out to $2,500 in bonus value on top of the $600 earned from spend, or $3,100 total value – more than a 10% rebate on spend.
Capital One Spark Cash Plus
(4) Our Review
- No preset spend limit as a charge card
- Easy 2% cash back on all purchases; no bonus category restrictions
- No foreign transaction fees
- No preset spend limit as a charge card
- Easy 2% cash back on all purchases; no bonus category restrictions
- No foreign transaction fees
Pros
- 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.
Cons
- 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.
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2x-5x
Car Rentals
-
2x-5x
Hotels
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2x
Everything Else
It’s also worth noting that if you prefer Miles over cash, as long as you have a Capital One credit card that earns miles (including a Venture X, Venture X for Business, Venture Business, Spark Miles for Business (closed to new applicants), Venture, or even a VentureOne, you can move your cash back into those card where they become fully transferable Capital One Miles.
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