Capital One Spark Cash Plus (Spark 2% Cash Plus)
$150 annual fee · $150/yr in printed statement credits · 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: $2,000 back after $30,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Bonus figure confirmed on the issuer's page 2026-09-14.
Statement credits — $150/yr on paper · how we got this
| Credit | Value | How it pays |
|---|---|---|
| Annual fee refund | $150/year | annual · resets on your card anniversary |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- No preset spending limit (charge card, designed to be paid in full)
- Free employee cards and virtual cards
- Roadside assistance
- Accounts Payable and Expense Management tools
Does the fee earn out? · how we got this
The printed statement credits ($150/yr) cover the $150 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.
Is this $150 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 Plus (Spark 2% Cash Plus) can normally be product-changed to two lower-fee cards 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 Plus (Spark 2% Cash Plus) 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.