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Capital One · chargeBusiness
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Is the Spark Cash Plus worth keeping when the fee hits?
Welcome offer — $2,000 cash back after $30,000 spend in 3 months (offer varies) Inferred by source
Apply on Capital One's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs excellent credit (740+) — guideline, not a guarantee · Set your credit profile
Personalize this for you add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 5× | Hotels & rental cars via Capital One Travel Inferred by source |
|---|---|
| 2× | Every purchase Inferred by source |
| Annual cash bonus | $150/yr · annual · at $150,000 spend Inferred by source |
|---|
No lounge access.
Using Spark Cash Plus at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | 5% of each advance, minimum $5 Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Capital One Spark Cash Plus has a $150 annual fee.
Using its non-spend-gated credits fully, the Capital One Spark Cash Plus returns about $0 in value against its $150 annual fee — a net of −$150 per year. It only makes sense if you value its perks beyond the listed credits.
The Capital One Spark Cash Plus earns Flat 2% on every purchase, 5% on hotels & rental cars via Capital One Travel.
No — the Capital One Spark Cash Plus does not include airport lounge access.
No — the Capital One Spark Cash Plus has no foreign transaction fee, so it's a good card to use abroad.
$2,000 cash back after $30,000 spend in 3 months (offer varies). Welcome offers change frequently — confirm the current one on the issuer's page before applying.