Capital One
Capital One Spark Cash Plus
Annual Fee
$150
Bonus Value
$2,000
Min Spend
$30K/3mo
Current Welcome Offer
2,000
Cash — worth ~$2,000
Spend $30,000 in 3 months
Elevated offerVerify offer with issuer
Source: www.capitalone.com
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Key facts
| Annual fee | $150 |
|---|---|
| Welcome bonus | 2,000 Cash after $30,000 spend in 3 months |
| Bonus value estimate | ~$2,000 |
| Top earning rates | 2× dining · 2× groceries · 2× travel |
| Points program | Cash Back |
| Card network | Visa |
| Foreign transaction fee | None |
What you get
All 2 perks ↓Perks/yr up to
$900
Annual Fee
$150
Covers fee (realistic use)
3.0×
Historical Intelligence
Offer history & timing
Current
2,000
Average
2,000
Tracked High
—
No offer change history on record yet.
Timing Intelligence
Stable offer — no timing signal
This offer hasn't changed across our tracked observations, so there's no timing advantage to waiting or rushing. Apply whenever the card itself fits your plans.
Based on limited history.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Solid
Est. +$2,212 net first-year value
Timing
Stable offer — no timing signal
This offer hasn't changed across our tracked observations, so there's no timing advantage to waiting or rushing. Apply whenever the card itself fits your plans.
Verified from issuer · Jun 29
Value
First-year value estimate
Conservative
+$2,212
65% benefit utilization, minimal travel redemptions
Realistic
+$2,212
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$2,212
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$212/yr
Assumes ~$24,120/yr of typical US household card spend consolidated on this card · statement credits counted at 30–85% of face value by tier (never 100% — credits are enrollment-gated and merchant-restricted) · Year 1 includes signup bonus when verified offer data exists. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits & Transfer Partners
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.
Approval & Best For
Fit assessment
Best For / Not Best For
Best For
- Cardholders who prefer simple cash back rewards with no category tracking
- Business owners looking to separate expenses and earn on business purchases
Not Best For
- People seeking a no-annual-fee option with similar rewards
Current Offer Status
Offer status
2,000 Cash
Last verified
Jun 29, 2026
Annual fee
$150/year
Compare & Alternatives
Compare with
Popular side-by-side comparisons.
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Alternatives
Consider these cards instead
Chase
Ink Preferred
Small business owners with meaningful spend on travel, advertising, shipping, or phone/internet services
$95/yr
100,000 pts
View review
Chase
Ink Cash
Business owners with significant internet/cable/phone and office supply bills who want UR without an annual fee
No fee
$1,000
View review
Chase
Ink Unlimited
No annual fee alternative with solid cash back.
No fee
$1,000
View review
FAQ
Frequently asked questions
What's the current Spark Cash Plus welcome bonus?
2,000 Cash after spending $30,000 in the first 3 months. Welcome bonus offers change frequently — the value shown on this page is updated against the issuer's published offer. For the live offer, click through to the apply page; the bonus is confirmed at approval time, not click time.
Is the Spark Cash Plus worth the $150 annual fee?
For first-year cardholders the answer is usually yes — the welcome bonus (~$2,000 estimated cash value) plus up to ~$900/yr in tracked benefits and credits typically covers the $150 fee several times over. After year one, the math depends on whether you actually use the recurring credits and category multipliers. Run your real spending through our Annual Fee Calculator before deciding to renew.
What are the main benefits of the Spark Cash Plus?
The highest-value benefits we track on the Spark Cash Plus: Cell Phone Protection (~$800), Purchase Protection (~$100). Combined tracked benefit value is up to ~$900 per year against the $150 annual fee. Dollar values are our estimates of realistic usage — credits that require enrollment or expire monthly are worth less if you don't actively use them.
What credit score do I need for Spark Cash Plus?
Realistic target: 690+ FICO. Issuers don't publish hard cutoffs, but data points from approval/denial reports suggest 690+ is the floor for reliable approval on cards in Spark Cash Plus's tier. Income, debt-to-income ratio, and existing relationship with Capital One also matter — use our Approval Predictor for a more personalized estimate.
What credit limit does the Spark Cash Plus come with?
Capital One doesn't publish credit limits for the Spark Cash Plus — your starting line is assigned individually at approval based on income, existing debt obligations, and credit history, so reported limits vary widely between applicants. If your initial limit is lower than you'd like, most issuers let you request a credit-line increase after several months of on-time payments.
Editorial guides
More on Spark Cash Plus and Capital One
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Amex Blue Business Plus vs Blue Business Cash (2026): MR Points or Cash Back?
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Why trust this review
- Independent research. CreditPoints is not paid by issuers to rank cards. All scores are algorithmic, based on public offer data, benefit valuations, and issuer rules.
- Regular verification. Offer amounts, spend requirements, and benefit values are checked against issuer pages via automated monitoring and manual audit.
- Transparent methodology. Every value estimate uses disclosed assumptions. Read our full scoring methodology.
Editorial note: CreditPoints may earn a commission when you apply through some of the links on this page. The first-year value math, transfer-partner analysis and approval signals on this card review are algorithmic and identical for all readers. We never accept payment to change ordering.
Capital One Spark Cash Plus
Current offer: 2,000 Cash — worth ~$2,000
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. CreditPoints is independent and not owned by, affiliated with, or endorsed by any card issuer; some Apply links are referral links that earn us compensation, which never affects a card's score or verdict.
Spark Cash Plus
2,000 Cash offer