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 Plus4.6/5

Capital One

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

  • 5%Cash back on Capital One Travel bookings
  • 2%Cash back on all other purchases

Welcome Bonus:

Earn a $2,000 cash bonus after spending $30,000 in the first 3 months.

Reward Rate:

Earn unlimited 2% cash back on all purchases, plus 5% on Capital One Travel bookings.

The standout feature here is the unlimited 2% cash back on all purchases, making the Capital One Spark Cash Plus an excellent choice for businesses with high spending.

Pros:

  • Unlimited 2% cash back
  • No preset spending limit

Cons:

  • Requires full monthly payment
  • Annual fee applies
Apply now →

The Capital One Spark Cash Plus is well-suited for business owners who prioritize straightforward cash back rewards and have significant monthly expenses, as it offers unlimited 2% cash back on all purchases. With its annual fee of $150 and a generous welcome bonus, this card may appeal to those who can leverage its rewards structure effectively.

Frequently Asked Questions