Capital One Spark Cash Plus
Capital One · Mastercard
4.3/5 RatingExcellent (720+)
Key Details
- Annual Fee
- $150
- Regular APR
- N/A (Charge Card)
- Intro APR
- N/A
- Foreign Transaction Fee
- None
- Balance Transfer Fee
- N/A
- Rewards Rate
- 2% cash back
Sign-Up Bonus
$1,200 cash bonus: $500 after $5,000 spent in 3 months, $700 after $50,000 in 6 months
Rewards Structure
- All Purchases2%
Pros
- ✓Unlimited 2% cash back on everything
- ✓No preset spending limit
- ✓Large potential sign-up bonus
- ✓No foreign transaction fees
Cons
- ✗$150 annual fee
- ✗Charge card — must pay in full each month
- ✗Second bonus tier requires $50K spending
- ✗No intro APR
Who Should Get This Card?
High-spending businesses that want simple, unlimited 2% cash back with no spending cap. Best for companies with $10,000+/month in expenses.