Capital One Spark Cash (Spark 2% Cash)
$95 annual fee · 2% on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | 2% | uncapped |
| Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site |
5% | uncapped |
Signup bonus: $1,000 back after $10,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. $1,000 cash bonus plus a $250 travel credit after $10,000 in 3 months; the cash part is encoded as 100,000 CASH points at 1 cent each. Bonus figure confirmed on the issuer's page 2026-09-14.
Non-cash perks
- Free employee cards and virtual cards
- Accounts Payable and Expense Management tools
Does the fee earn out? · how we got this
The $95 fee minus $0 in printed credits leaves $95/yr to earn back through rewards — roughly $4,750 of spending at the base rate. Whether that clears depends on your actual spending.
Is this $95 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who doesn't spend at the issuer's travel portal. Its largest printed rate, 5% on issuer travel portal, pays only at the issuer's travel portal. Elsewhere in that category the card earns 5%, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
Don't want the fee any more?
Capital One Spark Cash (Spark 2% Cash) can normally be product-changed to one lower-fee card in the Capital One Spark family instead of being closed — which keeps the account, its age and its credit line.
What does Capital One Spark Cash (Spark 2% Cash) downgrade to? →
More from Capital One
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.capitalone.com. Spot an error? Tell us.