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Capital One Spark Cash Plus Review

Capital One Spark Cash Plus ā€” all information about the credit card.

Updated August 14, 2024
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Capital OneĀ® Spark Cash Plus
Learn more
on our partnerā€™s site
Our Rating:
3.62 out of 5
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
    • 2% Cash Back for your business on every purchase.
  • Intro Offer:
    • $2,000 Cash Bonus once you spend $30,000 in the first 3 months.
    • $2,000 Earn an additional $2,000 bonus for every $500,000 spent in the first year.
  • Annual Fee:
    $150 annually
  • Purchase Intro APR:
    None *
  • Regular APR:
    None *
  • Balance Transfer APR:
    None *
Show more

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Regular APR
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Capital One Spark Cash Plus Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
5%
Hotels
$
5%
Car rental
$
2%
All other purchases
$
Have you already recieved the Capital One intro bonus?
Calculate
Show less details

All benefits

  • Cash back
    • 5% On hotels and rental cars booked through Capital One Travel.
    • 2% On every purchase.
  • Travel
    • Roadside Assistance:
    • Offers services to help you during auto-related emergencies, such as jump-starting, tire changing and towing.
    • No Foreign Transaction Fees:
    • Pay zero foreign transaction fees on purchases made outside of the United States.

Rate and fee information

  • Purchase Intro APR
    • None *
  • Purchase APR
    • None *
  • Intro Balance Transfer APR
    • None *
  • Balance Transfers APR
    • None *
  • APR for Cash Advances
    • None *

Fees

  • Annual Fee
    • $150 annually
  • Fees for Cash Advances
    • 5% of the amount of the cash advance, but not less than $5
  • Late Payment
    • 2.99% of the unpaid portion of your minimum payment
View all Rates & Fees

Pros & Cons

Pros:
  • No foreign transaction fees
Cons:
  • Annual Fee

Features

Classic
Mastercard
Contactless
  • No foreign transaction fees
  • Cashback
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Purchase Protection
  • Extended Warranty Protection
  • Travel
  • Excellent Credit

About the issuer

Capital One
Capital One has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
Credit card issuer's website
Call to Customer Service

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Recommended credit score
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  • None
    Annual Fee
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    Regular APR
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    Purchase Intro APR
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Recommended credit score
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  • None
    Annual Fee
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    Regular APR
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    Cash Back on payments.
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    Purchase Intro APR
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Fair credit
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Recommended credit score
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  • $39
    Annual Fee
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    Regular APR
  • 1.5%
    Cash Back on every purchase.
  • None
    Purchase Intro APR
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See Another Credit Cards in the Bank

* Your balance is due in full every month.

Capital One Spark Cash Plus is an option for those, who need Classic features. With a 0% APR * and $150 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Excellent (740-799) credit score. With Capital One Spark Cash Plus you will get such features as No foreign transaction fees, Cashback, Payment Flexibility, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

For Capital One products listed on this page, some of the above benefits are provided by VisaĀ® or MastercardĀ® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

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    Miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
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    Purchase Intro APR
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