Card image Spark Cash Plus

Spark Cash Plus card

Check the key information to help with your decision.

Spark Cash Plus card

Check the key information to help with your decision.

By Investgator on 29/07/2026

Useful informations

You can enhance your business savings with a notable 5% cash back on hotel and car rental bookings made via Capital One Travel.

Additionally, if your annual business spending reaches $150,000 or more, you can get your $150 annual fee reimbursed each year.

Bank

Capital One

Contact

www.capitalone.com

Reputation

0 reward points

Card brand

Visa

Who is this Card for?

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Pros & Cons

Like anything in life, credit cards have pros and cons. Let’s list them below so you can evaluate:

Pros

Extended Warranty
Possible Annual Fee Waiver
International Card
Purchase Protection
Security Alerts
Rewards Program
Travel Insurance
Provides Additional Cards
International
Contactless Technology
Price Protection
Restaurant Discounts
Installments Without Interest
Concierge
Home Assistance
VIP Lounge
Exclusive Discounts
Cashback

Cons

Does not accept bad credit
No access to VIP lounge
Need to have a linked bank account
Credit limit subject to analysis
Does not have contactless technology
High interest rates
No rewards program
Annual fee
No points program
No airline miles

See more card details:

Consistent 2% Cash Back

Earn a steady 2% cash back on every business transaction without any limits or expiration.

Generous Cash Bonus

New users can qualify for a significant cash sign-up bonus by meeting certain spending thresholds within the first six months.

Flexible Spending Power

This card has no preset limit, allowing adjustments that cater to your business's spending behavior and financial record.

Annual Fee Reimbursement

If your total annual spends exceed $150,000, your $150 annual fee will be refunded.

Premier Travel Rewards

Receive an impressive 5% cash back when you arrange hotel and car rentals through the Capital One Travel service.

Employee Cards at No Extra Cost

Monitor employee expenses effectively and accumulate rewards on their business purchases without incurring additional fees.

No Additional Foreign Transaction Fees

Enjoy significant savings on international business expenses, as there are no fees charged for overseas transactions.

Frequently Asked Questions (FAQ)

What is the structure of the cashback rewards program?

You receive an unlimited 2% cash back on all business-related purchases, completely unrestricted by categories or earning limits.

Does the card come with a preset spending limit?

No, the Spark Cash Plus card operates without a preset spending limit, providing you with dynamic purchasing power that reflects your spending habits.

Can I carry a monthly balance with this card?

No, as a charge card, the full balance must be paid off each month to keep your account in good standing.

How can the annual fee be waived?

The $150 annual fee is refundable each year if your net spending on the card totals $150,000 or more.

Is there a fee for international use?

No foreign transaction fees apply when using this card for purchases abroad or during international travel.

What advantages are there for travel-related bookings?

You earn a superior rate of 5% cash back on hotel and rental car bookings made specifically through the Capital One Travel portal.

Top 5 most requested cards

The card: Spark Cash Plus comes with these benefits from Visa

24/7 support for emergency situations

Points system to exchange for products

Accepted in thousands of locations worldwide

Perfect for your everyday purchases

Security and flexibility in payments

More security and comfort for your purchases

We’ve simplified the steps for you

We’ve outlined the steps to make it easier for you to apply for the card. Follow the step-by-step guide below:

1

Choose the option that best suits your needs

2

Access the financial institutions' channels

3

Start your registration by providing accurate information

4

Send the required documents

5

Submit your application

6

Wait for approval

Required documents

Visit the website of Capital One

Visit the official website and follow the provided instructions.

VISIT OFFICIAL WEBSITE
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