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 Mapa do Crédito on 29/07/2026

Useful informations

Enhance your business expenditures by receiving 5% cash back on hotel stays and car rentals booked via the Capital One Travel services.

If you utilize this card for business purchases totaling $150,000 or more, your $150 annual fee will be 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

Receive a guaranteed 2% cash back on all business purchases with no limits or expiration on rewards.

Significant $2,000 Cash Bonus

New users can claim a sizable sign-up bonus after achieving specified spending tiers within the first six months.

Flexible Spending Power

Enjoy a charge card without a preset spending limit, molded to meet your evolving business demands and financial behavior.

Annual Fee Reimbursement

The $150 annual fee can be refunded annually if your business spending exceeds $150,000.

Travel Rewards Boost

When you book hotels and vehicle rentals through the Capital One Travel platform, you earn an elevated 5% cash back.

No-Cost Employee Cards

Keep track of employee expenditures while earning rewards on their purchases without incurring extra annual fees.

Zero Foreign Transaction Fees

Avoid extra costs on overseas business trips and payments with no fees for transactions outside the U.S.

Frequently Asked Questions (FAQ)

What is the cashback program's structure?

The card offers an unlimited 2% cash back on business-related purchases, without any category restrictions or caps.

Is there a spending cap on this credit card?

No, the Spark Cash Plus functions as a charge card with no preset limit, adapting to your spending habits.

Can I carry over a balance with this card?

No, this is a charge card which necessitates the total balance to be paid off each month.

How do I qualify for the annual fee waiver?

You can have your $150 annual fee waived if your spending reaches $150,000 in net purchases on the card.

Are there international usage fees?

No, using this card internationally incurs no foreign transaction fees.

What travel-related perks come with this card?

When booking hotels and rental cars through Capital One Travel, you will earn 5% cash back, significantly increasing your savings.

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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