Capital One Spark Cash Plus
By Alex Compton · Last verified
Uncapped 2% for businesses that spend big and pay in full.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
740+
(Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $2,000 | $30,000 in 3 mo | Bonus increased: $1,200 → $2,000$2,000 cash bonus, plus $2,000 more for every $500,000 spent in year one | Archive record · no attached snapshot |
| 2023-07 | $1,200 | $30,000 in 3 mo | Bonus increased: $1,000 → $1,200 · Spend: $50,000 → $30,000 · Window: 6 → 3 months$1,200 cash bonus | Archive record · no attached snapshot |
| 2022-01 | $1,000 | $50,000 in 6 mo | Earliest record$1,000 cash bonus | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-10 · spot an outdated offer? Report a correction above.
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Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 2xAll purchases
- 5xHotels and rental cars via Capital One Travel
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Charge card with no preset spending limit
- ✦Annual fee refunded every year you spend $150,000 or more
- ✦Free employee and virtual cards
- ✦No foreign transaction fees
Why it earns its spot
- +Uncapped 2% with a spending capacity that flexes to your business
- +$2,000 bonus is large for a cash back card
- +Fee effectively disappears at $150k annual spend
Where it costs you
- −Balance must be paid in full every month
- −Thin value below $150k of annual spend
The Compound Verdict
Built for the business that puts six figures a year on plastic. The flexible limit solves the real problem high-volume businesses have with credit cards, and 2% uncapped does the rest. Low spenders should take the Spark Cash Select instead.
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