Capital One Spark Cash Plus
By Alex Compton · Last verified
Uncapped 2% for businesses that spend big and pay in full.
Welcome Bonus
$2,000
≈$2,000 value
Spend Requirement
$30,000
in 3 months
Annual Fee
$150
No FTF
Credit Score
740+
(Excellent)
Current offer note: $2,000 cash bonus after $30,000 in the first 3 months, plus $2,000 more for every $500,000 spent in the first year; confirmed unchanged
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 4 tracked offers going back to 2022, nothing has beaten $2,000.
Current offer
$2,000
All-time high
$2,000
Typical offer
$1,600
In place since
June 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $2,000 | $30,000 in 3 mo | Terms reconfirmed$2,000 cash bonus after $30,000 in the first 3 months, plus $2,000 more for every $500,000 spent in the first year; confirmed unchanged | Capital One Spark Cash Plus product page → |
| 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 months → 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 ledger- confirmed
$2,000 after $30,000 in 3 months plus $2,000 per $500K in year one, 2% unlimited, $150 fee refunded at $150K confirmed
Capital One Spark Cash Plus product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 2xAll purchases
- 5xHotels and rental cars via Capital One Travel
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦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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