Current Bonus
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Annual Fee
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How to Earn Rewards
5%
Cash Back on hotels and rental cars booked through Capital One Travel.
2%
cash back on every purchase, everywhere-with no limits or category restrictions.
Benefits
The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors.
Spark Cash Plus has no APR because your balance is due in full every month.
My Take
The Capital One Spark Cash Plus is a great option if you have a lot of expenses coming up. The current welcome offer offers a hefty $2,000 cash back bonus.
This business card generally is known to not report to personal credit reports so it should not add to your 5/24 count.
Overall this is a strong card option if you can meet the spend requirements. Because you earn 2% cash back, you’ll have earned $2600 cash back total after spending $30,000. It would be a great card to add to my Three Year Plan if you have high expenses.
Note that this does require to you pay off your bill in full each month.
Bonus History
Previous offer was “Earn a $1,200 cash bonus when you spend $30,000 in the first 3 months” and other previous offers required up to $50,000 in spend to reach a bonus.
Learn More About Capital One Spark Cash Plus
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