Spark Cash Plus
Capital One$150 a yearVisa SignatureNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? A lower-fee card in the same family may suit you better.
Welcome bonus
$2,000
after $30,000 in purchases in the first 90 days
Not counted: another $2,000 for every $500,000 of spend within 365 days.
48 Month Rule, Card Limit and 2 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus$2,000 cash | $2,000 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | $0 |
| Annual fee | −$150 |
| Meeting the $30,000 minimumearns 2% here, the same as Double Cash | $0 |
| First year | $1,850 |
| Each year after | +$10 |
Not counted in the first year: protections (each year after counts them).
With a Venture Rewards: $302 a year
Earning
| Rate | Category | Return |
|---|---|---|
| 5% | Hotels booked through Capital One Travel | 5% |
| 5% | Rental cars booked through Capital One Travel | 5% |
| 2% | Everything else | 2% |
Business card · Earns Capital One Miles
Benefits
Credits & Perks (1)
- Annual Fee Refund: $150 (Annual Cardmember Year)
Refund of the annual fee with $150K spend annually
Protections (7)
- Travel Accident Insurance, up to $250,000, Accidental death or dismemberment cover for you, your spouse and unmarried dependent children on a licensed common carrier when the full fare is charged to the card: $250,000 under the Visa Signature Business guide, $1,000,000 under the Enhanced Visa Signature Business guide. Capital One does not say which applies to this card.
- Lost Luggage Reimbursement, up to $3,000, Up to $3,000 per trip for checked or carry-on luggage lost, stolen or misdirected by the common carrier when the common carrier ticket is charged to the card ($2,000 per bag for New York residents).
- Travel and Emergency Assistance, 24/7 referral assistance for medical, legal, and travel emergencies while away from home. Cardholder is responsible for the cost of services used.
- Purchase Protection, up to $10,000, Covers eligible new purchases against theft or damage for 90 days from purchase, up to $10,000 per claim and $50,000 per cardholder.
- Extended Warranty, up to $10,000, Doubles the original manufacturer's U.S. warranty by up to 1 additional year, for original warranties of 3 years or less. Max $10,000 per claim and $50,000 per cardholder.
- Price Protection, up to $500, Reimburses the difference if an identical item is advertised for less within 60 days of purchase, up to $500 per item and $2,500 per year. Secondary to store lowest-price guarantees.
- Auto Rental Collision Damage Waiver (primary), Reimburses theft or collision damage up to the actual cash value of most rental vehicles, for rental periods up to 31 consecutive days. Primary coverage for commercial or business rentals; secondary (supplemental to personal auto insurance) for personal rentals. No benefit for vehicles rented in Israel, Jamaica, the Republic of Ireland or Northern Ireland.
Other Perks
- Capital One business charge card: no preset spending limit (not unlimited); designed to be paid in full, with an option to carry over a portion of the balance with interest
- Free employee cards with customizable spending limits
- Roadside dispatch services
- Cash back never expires for life of account
The Capital One Spark Cash family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to no_preset_limitOct 11, 2026
- changed from null to trueOct 11, 2026
- changed from null to Spark Cash PlusOct 8, 2026
- changed from null to cash_backSep 30, 2026
- changed from Capital One Venture Rewards Credit Card; Capital One Venture X Rewards Credit Card; Capital One VentureOne Rewards Credit Card; Capital One Spark Miles for Business; Capital One Spark Miles Select for Business; Capital One Venture X Business Card to Capital One Venture Rewards Credit Card; Capital One Venture X Rewards Credit Card; Capital One VentureOne Rewards Credit Card; Capital One Venture Business; Capital One VentureOne Business; Capital One Venture X Business Card; Capital One Spark Miles for BusinessSep 16, 2026
- changed from Pair with a Venture or Spark Miles card to convert cash back to transferable miles. to Pair with a Venture, VentureOne, or Spark Miles card to convert cash back to transferable miles.Sep 16, 2026
- changed from Limited Time Offer: a $2K cash bonus + $500 Capital One Business Travel credit when you spend $30K in the first 3 months + earn an additional $2K bonus for every $500K spent within the first year.(Offer Expires 9/7/2026) + Cash Back to $2K cash bonus when you spend $30K in the first 3 months + earn an additional $2K bonus for every $500K spent within the first year + Cash BackSep 8, 2026
- was 2026-09-07, removedSep 8, 2026
- changed from null to falseAug 31, 2026
- changed from Limited Time Offer: a $2K cash bonus + $500 Capital One Business Travel credit when you spend $30K in the first 3 months + earn an additional $2K bonus for every $500K spent within the first year. + Cash Back to Limited Time Offer: a $2K cash bonus + $500 Capital One Business Travel credit when you spend $30K in the first 3 months + earn an additional $2K bonus for every $500K spent within the first year.(Offer Expires 9/7/2026) + Cash BackAug 26, 2026
- changed from null to 2026-09-07Aug 26, 2026
- changed from null to 30000Aug 13, 2026
- changed from null to 90Aug 13, 2026