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 Capitalizze on 29/07/2026

Useful informations

Enhance your business savings with a substantial 5% cash back on hotel bookings and car rentals made through the Capital One Travel services.

Each year, if you spend at least $150,000 using this card for business purchases, your $150 annual fee will be refunded.

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:

Unlimited 2% Cash Back

Receive a steady 2% cash back on every business expenditure without limits or expiration.

$2,000 Sign-Up Bonus

New users can earn an impressive bonus after fulfilling specified spending thresholds in the first six months.

Flexible Spending with No Limits

Evolve alongside your business with a card that adapts to your spending patterns and financial history.

Refund on Annual Fee

Your $150 fee will be refunded annually if your spending exceeds $150,000.

Enhanced Travel Rewards

Achieve 5% cash back on hotel and car rental bookings made through Capital One Travel.

Additional Employee Cards are Free

Monitor and reward employee spending on business purchases without incurring extra annual fees.

No Fees for Foreign Transactions

Eliminate extra costs when making purchases abroad with zero charges for international transactions.

Frequently Asked Questions (FAQ)

How does the cashback rewards program function?

You will receive 2% cash back on all business purchases indefinitely, with no category limitations or caps on earnings.

Is there a predetermined spending limit on this card?

No, the Spark Cash Plus operates without a preset spending limit, allowing your spending capacity to adjust based on actual usage.

Can you carry a balance month to month with this card?

No, this is a charge card, which means full payment of the balance is required each month.

How can the annual fee be waived?

The $150 annual fee will be reimbursed by Capital One if you make at least $150,000 in net purchases in a year.

Are there additional costs for international card usage?

There are no fees associated with foreign transactions when you use your card outside the United States.

What travel booking benefits come with this card?

You will earn a higher cash back rate of 5% on hotel and rental car bookings when done through the Capital One Travel service.

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
YOU WILL BE REDIRECTED