Capital One
Capital One Spark Cash Plus
Annual Fee
$150
Bonus Value
$1,200
Min Spend
$30K/3mo
Current Welcome Offer
1,200
Cash — worth ~$1,200
Spend $30,000 in 3 months
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Historical Intelligence
Offer history & timing
Current
1,200
Average
1,200
Tracked High
—
No offer change history on record yet.
Timing Intelligence
Typical offer
The current offer is in line with the typical range for this card (average: 1,200). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Based on limited history. Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Average
Worth keeping for ongoing value (~$212/yr after bonus)
Timing
Typical offer
The current offer is in line with the typical range for this card (average: 1,200). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Value
First-year value estimate
Conservative
+$212
65% benefit utilization, minimal travel redemptions
Realistic
+$212
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$212
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$212/yr
Based on avg US annual spend of $24,120 · Year 1 includes signup bonus. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits
Card perks & credits
Up to $900/yr in benefits
🛡️insurance
Cell Phone Protection
$800/yr
Up to $800 per claim for covered theft or damage to employee cell phones, $100 deductible.
Phone bill must be paid with card
Purchase Protection
$100/yr
Covers eligible purchases for 90 days against theft or damage, up to $500 per claim.
Capital One Spark Cash Plus
Current offer: 1,200 Cash — worth ~$1,200
View Official OfferCapital One's secure site · No data stored · Commission may apply
Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. Not affiliated with or endorsed by any card issuer.
Spark Cash Plus
1,200 Cash offer