Capital One
Capital One Spark Cash Plus
Capital One Spark Cash Plus costs $150 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 Plus 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
- $150 annual fee
- Best earn rate
- 2× everyday spending
- Points value
- 1¢ a point
- Used when you transfer to a travel partner. Cash back is worth 1¢.
- Welcome bonus
- 2,000 points
- About $40 if you redeem at 1¢ a point, and only if you clear the spending requirement.
- Foreign transaction fee
- none
What the Capital One Spark Cash Plus 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 Plus right for you?
Enter a typical month. You will see what the Capital One Spark Cash Plus 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
Capital One Spark Cash Top for your numbers
1× everything else. $95 annual fee.
Rewards $502 · Fee −$95
+$407
+$352
+$307
+$207
How we estimate
- Every rate on this page comes from the card catalog. Capital One Spark Cash Plus 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.
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Welcome bonus
2,000 points to 4,000 points
About $40 if you redeem at 1¢ a point, and only if you clear the spending requirement.
Points and partners
Cash Back
Transferable to airline and hotel partners.
Where this data came from
Checked capitalone.com 2026-10-05. $150 annual fee, refunded by $150,000 of annual spend. 2% on all purchases and 5% on hotels, vacation rentals and rental cars booked through Capital One Business Travel. $2,000 after $30,000 in 3 months, plus $2,000 more for each $500,000 spent in the first year. No foreign transaction fee.
FAQ
The Capital One Spark Cash Plus charges $150 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 2,000 points, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply. At 1¢ a point that is about $40, before you count the annual fee and whether you would clear the spending requirement for it.
Yes. It earns Cash Back, which you can transfer to the partners below. Transfers are what make a 1¢ valuation reachable; using the points for cash back is worth far less.
No. The Capital One Spark Cash Plus charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.