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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What you get
All 2 perks ↓Perks/yr up to
$900
Annual Fee
$150
Covers fee
6.0×
Historical Intelligence
Offer history & timing
Current
2,000
Average
2,000
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: 2,000). 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: 2,000). 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 & 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
6 days ago
Annual fee
$150/year
Compare & Alternatives
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 tracked statement credits typically cover 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 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.
Editorial guides
More on Spark Cash Plus and Capital One
Do Business Credit Cards Affect Your Personal Credit Score?
Chase, Amex, and Capital One business cards do not report ongoing activity to personal credit bureaus — your balance and utilization stay invisible to personal scoring. Bank of America and Wells Fargo do report.
Read
Business Credit Cards for Sole Proprietors 2026
No LLC or EIN required. Sole proprietors, freelancers, and side hustlers qualify for Chase Ink, Amex Business, and Capital One Spark cards using just their SSN.
Read
Can I Get a Business Credit Card? (Complete 2026 Guide)
Almost anyone with income-generating activity qualifies — no LLC, EIN, or revenue minimum required. Here’s who qualifies, what to enter on the application, and which card to get first.
Read
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. Not affiliated with or endorsed by any card issuer.
Spark Cash Plus
2,000 Cash offer