Capital One
Capital One Spark 2% Cash
Similar General spending profile with a different fee and perk mix.
$95$1,000 bonus
Compare these cardsBack to cards
Capital 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.
Best for General spendingBest for TravelCash backBusiness cardGood+ credit
Year-one value
$2,533
Balanced assumption model with the welcome offer included.
Ongoing value
$533
Rewards plus usable credits minus the annual fee.
Welcome offer
$2,000
$30,000 in 3 months
Usable credits
None
Assumes 70% real-world usage.
Modeled on a balanced $2,470/month spend mix, 1.5 cpp point valuation, and 70% credit usage.
Annual fee
$150
Year-one card cost
Credit needed
Good+
Issuer approval tier
Required spend
$30,000 / 3 mos
Welcome-offer threshold
Offsetting credits
None listed
No recurring credits in dataset
Bonus ROI
6.7%
Welcome bonus on required spend
How You Earn
Where this card pays you back
Travel
Hotels and rental cars booked through Capital One Travel.
General spending
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.
