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 Organizzei on 29/07/2026

Useful informations

Enhance your company's savings by enjoying 5% cash back on hotel stays and car rentals when booked via Capital One Travel.

If your business expenditures reach at least $150,000 annually, you can receive a refund for the $150 annual fee each year with this card.

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

Receive an unwavering 2% cash back on every business expense, without any caps or expiration periods.

Substantial $2,000 Cash Incentive

New users can claim a significant bonus after fulfilling certain spending criteria over a six-month timeframe.

Flexible Spending Power

This card adapts to your financial demands, possessing no predetermined spending limit based on your spending behavior and credit history.

Annual Fee Waiver Program

Recoup the $150 annual fee each year if your business purchases exceed $150,000.

Travel Rewards on Capital One Platform

Achieve a generous 5% cash back reward on hotel bookings and car rentals made through the Capital One Travel service.

No-Cost Employee Cards

Efficiently monitor employee expenditures while earning rewards from their business purchases, with no extra annual fees.

Zero Foreign Transaction Costs

Avoid additional charges on overseas business expenses and vendor payments, as the card incurs no foreign transaction fees.

Frequently Asked Questions (FAQ)

How does the cash back system operate?

You receive an unlimited 2% cash back on all business purchases with no restrictions on categories or maximum earnings.

Will I have a preset limit on my spending?

No, the Spark Cash Plus operates as a charge card that does not impose a preset limit, allowing for flexible spending that aligns with your usage.

Can I carry a balance year to year on this card?

No, this card mandates that you pay the entire balance each month to maintain a good standing.

What is the process to get the annual fee waived?

To have your $150 annual fee refunded, ensure your net spending on the card meets or exceeds $150,000 annually.

Are there fees for utilizing this card internationally?

No, you won't incur foreign transaction fees when making international purchases or while traveling abroad.

What travel advantages does this card offer?

You earn an elevated 5% cash back reward when booking hotels and car rentals through the Capital One Travel platform.

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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