Capital One
Capital One Spark Cash
Capital One Spark Cash costs $95 annual fee and earns up to 2× on everyday spending. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Capital One Spark Cash returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- $95 annual fee
- Best earn rate
- 2× everyday spending
- Points value
- 1¢ a point
- Cash back value.
- Welcome bonus
- $1000
- Foreign transaction fee
- none
What the Capital One Spark Cash earns
Hotels and rental cars through the issuer's travel site
5×
Only through the issuer's portal
| Category | Rate | Conditions |
|---|---|---|
| Hotels and rental cars through the issuer's travel site | 5× | Only through the issuer's portal |
Rates checked with the issuer in October 2026. Spending outside these categories earns 2×. Confirm current terms with the issuer before you apply.
Is the Capital One Spark Cash right for you?
Enter a typical month. You will see what the Capital One Spark Cash returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
Amex Blue Business Cash Top for your numbers
1× everything else. No annual fee.
Rewards $502 · No annual fee
+$502
+$407
+$376
+$352
How we estimate
- Every rate on this page comes from the card catalog. Capital One Spark Cash pays 2× on spending outside the bonus categories listed above, and up to 2× on everyday spending.
- We value this card's points at 1¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
Find your best wallet for all your spending →{"focus":"","inputs":[{"key":"dining","prefill":"dining","noun":"dining"},{"key":"groceries","prefill":"groceries","noun":"groceries"},{"key":"gas","prefill":"gas","noun":"gas"},{"key":"transit","prefill":"transit","noun":"transit"},{"key":"streaming","prefill":"streaming","noun":"streaming"},{"key":"drugstores","prefill":"drugstores","noun":"drugstores"},{"key":"travel","prefill":"airfare","noun":"travel"},{"key":"other","prefill":"other","noun":"everyday spending"}],"path":"/credit-card-rewards-calculator","picks":[{"key":"capital-one-spark-cash","name":"Capital One Spark Cash","fee":95,"cpp":0.01,"base":2},{"key":"capital-one-spark-cash-plus","name":"Capital One Spark Cash Plus","fee":150,"cpp":0.01,"base":2},{"key":"amex-blue-business-cash","name":"Amex Blue Business Cash","fee":0,"cpp":0.01,"base":2},{"key":"capital-one-spark-cash-select","name":"Capital One Spark Cash Select","fee":0,"cpp":0.01,"base":1.5}]}What comes with it
Welcome bonus
$1000
Points and partners
Cash Back
No
Where this data came from
Checked capitalone.com 2026-10-05. Earn: 2% cash back on every purchase, everywhere, with no limits or category restrictions; 5% cash back on hotels and rental cars booked through Capital One Business Travel. Annual fee is an introductory $0 for the first year and $95 after that, so AnnualFee records the ongoing $95. Welcome offer is a $1,000 cash bonus after spending $10,000 in the first 3 months. Unverified: the foreign transaction fee, which is recorded as none on the basis of Capital One's published policy that it does not charge foreign transaction fees rather than a card-specific disclosure; the 'No foreign transaction fees' line on this page sits in a generic benefits block shared across the business card range. CentPerPoint is 1.0 because this is a cash back card rather than a points card, matching the existing Spark Cash Plus row.
FAQ
The Capital One Spark Cash charges $95 a year. Earning alone will not cover the fee: this card pays the same rate as its rivals in the categories most people use. It has to be worth it through credits, the welcome bonus, or a transfer partner you would use.
2× on everyday spending, and 2× on spending outside its bonus categories.
It depends on your mix, not the card. Earning alone will not cover the fee: this card pays the same rate as its rivals in the categories most people use. It has to be worth it through credits, the welcome bonus, or a transfer partner you would use. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is $1000, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply.
No. The Capital One Spark Cash earns Cash Back that you redeem for statement credit or shopping rather than transferring to a partner, so its realistic value is about 1¢ a point.
No. The Capital One Spark Cash charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.