Card image Spark Cash Plus

Spark Cash Plus card

Check the key information to help with your decision.

Spark Cash Plus card

Check the key information to help with your decision.

By Geniuzz on 29/07/2026

Useful informations

Enhance your savings on business travel with an impressive 5% cash back on hotel bookings and car rentals made through Capital One Travel.

Your $150 annual fee will be completely reimbursed each year you reach a threshold of $150,000 in business expenditures with this card.

Bank

Capital One

Contact

www.capitalone.com

Reputation

0 reward points

Card brand

Visa

Who is this Card for?

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Pros & Cons

Like anything in life, credit cards have pros and cons. Let’s list them below so you can evaluate:

Pros

Extended Warranty
Possible Annual Fee Waiver
International Card
Purchase Protection
Security Alerts
Rewards Program
Travel Insurance
Provides Additional Cards
International
Contactless Technology
Price Protection
Restaurant Discounts
Installments Without Interest
Concierge
Home Assistance
VIP Lounge
Exclusive Discounts
Cashback

Cons

Does not accept bad credit
No access to VIP lounge
Need to have a linked bank account
Credit limit subject to analysis
Does not have contactless technology
High interest rates
No rewards program
Annual fee
No points program
No airline miles

See more card details:

Consistent 2% Cash Back

Acquire a continuous 2% cash back on all business expenditures, free from limitations or expiration.

Significant Cash Bonus

New users can earn a substantial cash bonus after fulfilling specific spending criteria within the first six months.

Flexible Spending Power

Seamlessly adapt to your financial needs with a card that evolves according to your spending and credit history.

Refund on Annual Fee

Your annual fee of $150 can be refunded if your annual spending surpasses $150,000.

Travel Booking Rewards

Achieve a superior 5% cash back for bookings regarding hotels and rental cars via the Capital One Travel site.

Complimentary Employee Cards

Monitor employee spending effortlessly and gain rewards on their business transactions at no added annual cost.

Zero Fees on Foreign Transactions

Eliminate extra charges during international business endeavors and vendor transactions with no foreign transaction fees.

Frequently Asked Questions (FAQ)

Can you explain how the cashback process works?

You're able to earn an unlimited 2% cash back for every business-related purchase made, with no restrictions regarding categories or earnings caps.

Does this particular card have a spending cap?

No, the Spark Cash Plus operates without any preset spending limits, allowing flexible purchasing power based on how you use the card.

Is it permissible to carry a balance on this card?

No, being a charge card, the Spark Cash Plus mandates that the entire balance be paid off monthly to keep your account in good standing.

What do I need to do to have the annual fee waived?

If you spend at least $150,000 in net purchases each year, Capital One will reimburse your annual fee of $150.

Are there additional costs for using the card outside the U.S.?

No, utilizing this card for international purchases incurs no foreign transaction fees, ensuring cost-effectiveness during your travels.

What specific travel perks does this card offer?

When booking hotels and rental cars through the Capital One Travel platform, you receive a heightened cash back rate of 5%.

Top 5 most requested cards

The card: Spark Cash Plus comes with these benefits from Visa

24/7 support for emergency situations

Points system to exchange for products

Accepted in thousands of locations worldwide

Perfect for your everyday purchases

Security and flexibility in payments

More security and comfort for your purchases

We’ve simplified the steps for you

We’ve outlined the steps to make it easier for you to apply for the card. Follow the step-by-step guide below:

1

Choose the option that best suits your needs

2

Access the financial institutions' channels

3

Start your registration by providing accurate information

4

Send the required documents

5

Submit your application

6

Wait for approval

Required documents

Visit the website of Capital One

Visit the official website and follow the provided instructions.

VISIT OFFICIAL WEBSITE
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