Capital One
Capital One Spark 2% Cash
Similar General spending profile with a different fee and perk mix.
$95$1,000 bonus
Compare these cardsCapital One
Capital One Spark Cash Plus
Spark Cash Plus earns unlimited 2% cash back on purchases and elevated cash back on hotels and rental cars booked through Capital One Travel.
Last verified Mar 12, 2026. Confirm live issuer terms before applying.
Bottom line
Worth a closer look if the benefits fit your routine
- Best fit
- Best fit if everyday spend and travel is already in your budget and you can route about $10,000/mo of normal spend.
- Watch out
- $150 fee only works if the benefits are useful without changing your spending behavior.
Bonus ROI
7%
Welcome bonus on required spend
Annual fee
$150
Annual card cost
Credit needed
Good+
Issuer approval tier
Required spend
$30,000 / 3 mos
Welcome-offer threshold
Travel
5%
Hotels and rental cars booked through Capital One Travel.
General spending
2%
Credits And Perks
What actually offsets the fee
$150 Annual Travel Credit After $150,000 Spend
An annual travel credit is available after meeting the stated annual spend threshold on the account.
Flexible Spending Capacity
The card has no preset spending limit and adapts based on account factors.
Employee and Virtual Cards
Business tools include employee cards and virtual card numbers to help manage spending.
Downloadable Purchase Records
Business account tools include downloadable purchase records and reporting features.
Good Fit If
Why you would choose it
- Unlimited 2% cash back on business spend
- No foreign transaction fees
- No preset spending limit (charge card terms apply)
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Capital One Spark 1.5% Cash Select
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No fee$750 bonus
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