Capital One
Capital One Spark Cash Plus
Pools with Capital One → transferable
Annual fee
$150/yr
Welcome bonus
$2,000 cash back
Min spend
$30,000 in 3 months
Recommended credit
Excellent (720+)
Rates and offer last verified June 22, 2026.
Earning rates
2% cash back on every purchase, with no caps
5% cash back on hotels and rental cars via Capital One Travel
Features & benefits
No preset spending limit (balance paid in full monthly)
$150 annual fee refunded every year you spend $150,000
Free employee cards
No foreign transaction fees
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Capital One Spark Cash Plus lands.
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