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Capital One Spark Cash Plus

Updated on:

LendingTree's Review

4.7

Apply Now

on Capital One's secure site

Rates & Fees

Rewards Rate

2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One's travel booking site

Sign-Up Bonus

$2000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year

APR

See Terms

Highlights

Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Spark Cash Plus has no APR because your balance is due in full every month
For businesses that need large spending capacity and want to maximize cash back
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

Rates

Intro Purchase APR: N/A
Regular Purchase APR: N/A
Intro Balance Transfer APR: N/A
Regular Balance Transfer APR: N/A
Regular Cash Advance APR: N/A
Penalty APR: None

Fees

Annual fee: $150
Balance transfer fee: Balance transfers are not available on Spark Cash Plus
Cash advance fee: 5% of the amount of the cash advance, but not less than $5
Foreign exchange fee: None
Late fee: 2.99% of the unpaid portion

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.