Capital One Spark Cash Plus
Review the costs, rewards and application terms that matter for your comparison. Confirm the offer shown to you at the issuer before applying.
Published by Fintiex · Updated 2026-09-24 · How we check information
Check current issuer terms ↗
Official source check
Issuer product information and available pricing disclosures reviewed. Terms below apply to the cited public offer; personalized offers and existing accounts can differ.
Selected facts checked 2026-09-24. Official source ↗
Additional issuer source ↗ · Checked 2026-09-24
Additional issuer source ↗ · Checked 2026-09-24
Rates and fees
- Annual fee
- $150
- Purchase APR
- 25.74% variable on the portion eligible to carry over; designed to be paid in full
- Introductory APR
- No introductory APR listed in this offer
- Foreign transaction fee
- None
Rates shown are the advertised terms in the cited disclosures. Variable APRs can change. Your personalized offer and existing-account terms may differ.
Rewards and welcome offer
$2,000 after $30,000 in purchases within 3 months; additional $2,000 bonuses for each $500,000 spent during year one. Eligibility restrictions apply.
5% on capital one business travel hotels vacation rentals cars
- 2% cash back on eligible purchases; 5% on hotels, vacation rentals and rental cars through Capital One Business Travel.
- The $150 annual fee is refunded when annual spending reaches $150,000.
Before you apply
- The carryover option applies only to an eligible portion of the balance; review the required monthly payment.
- Compare the annual cost with benefits you expect to use. Subtract fees and interest from any reward estimate.
- Confirm any bonus spending deadline and eligibility exclusions. Avoid extra spending solely to earn a promotion.
- We do not publish a minimum approval score without an issuer source. Approval depends on the issuer’s assessment of your application.
How to decide whether this card fits
Start with your purpose: everyday spending, travel, managing existing debt, business purchases or building credit history. Compare products serving that purpose, then check the official pricing disclosure. A high reward multiplier only helps on eligible purchases and at a redemption value you can actually use.
Application links do not establish a paid partnership. See our advertising disclosure. No individual financial advice or approval guarantee is provided.
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