Capital One Spark Cash Plus 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Capital One Spark Cash Plus4.0/5

Capital One

Annual fee
$150
Rewards rate
2%-5%
Welcome Bonus
$2,000
Apply Now →on Capital One's website

  • 2%Cash back on all business purchases
  • 5%Cash back on hotels and rental cars booked through Capital One Travel

Welcome Bonus:

Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months.

Reward Rate:

Earn unlimited 2% cash back on all business purchases and 5% on hotels/rental cars booked through Capital One Travel.

The Capital One Spark Cash Plus card is designed for high-spending businesses, offering unlimited 2% cash back on all purchases. With a substantial welcome bonus and additional cash bonuses for high spending, it provides excellent value for businesses that make significant purchases.

Pros:

  • Unlimited 2% cash back
  • Significant welcome bonus

Cons:

  • Annual fee
  • Requires high spending to maximize benefits
Apply now →

The Capital One Spark Cash Plus card is well-suited for businesses with high spending, looking to earn unlimited cash back on everyday purchases. With its competitive rewards structure and substantial welcome bonus, it may particularly benefit those who can maximize the card's cash back potential while offsetting the annual fee through their spending habits.

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