Our illustration, not the card’s design
Capital One credit card
Capital One Spark 2% Cash Plus
$150 a year. $2,000 cash bonus after you spend $30,000 in 3 months. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · capitalone.com
“Spark Cash Plus Welcome Bonus: Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months.”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · capitalone.com
“Get your $150 annual fee refunded on your account anniversary every year you spend at least $150,000.”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · capitalone.com
“No foreign transaction fees”
Select an underlined figure to see where it comes from.
Capital One’s terms
Welcome offer
$2,000 cash
After you spend $30,000 on purchases in your first 3 months.
- Spending it takes
- $10,000 a month
- for 3 months
- Tracking since
- Sep 29, 2026
- history will chart every change
Earn an additional $2,000 cash bonus for every $500,000 spent during the first year; this additional bonus may be earned multiple times during the first year. The page advertises $4,000 or more in cash bonuses.
- Larger than about 100% of the 48 other cash bonuses we track.
Who can get it: If you’ve ever had a bonus on this card or one of its family, you can’t get it.
“The bonuses may not be available for existing or previous Capital One Business card holders.”
The issuer’s terms, from its page, as of Nov 1, 2026. Check which bonuses you can get
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $90 | $90 | |
| Typical spender | $450 | $450 | |
| Heavy spender | $1,280 | $1,280 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: welcome bonus needs $30,000 in 3 months.
$90a year
The same in the first year and after.
Rewards and credits$240
You keep $90−$150 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: welcome bonus needs $30,000 in 3 months.
$450a year
The same in the first year and after.
Rewards and credits$600
You keep $450−$150 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: welcome bonus needs $30,000 in 3 months.
$1,280a year
The same in the first year and after.
Rewards and credits$1,430
You keep $1,280−$150 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: welcome bonus needs $30,000 in 3 months.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 80% of the 732 cards we track.
Other cash back cards with fees up to $300
- Ink Business Premier(R)Chase · $195 a year−$45 a year
- Disney Inspire Card from ChaseChase · $149 a year−$145 a year
- Graphite Business Cash UnlimitedAmerican Express · $295 a year−$145 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rewards
How you earn
- 5%
- Hotels and vacation rentals booked through Capital One Business TravelRental cars booked through Capital One Business Travel
- 2%
- Everything else
Cash back, as a share of each purchase.
Benefits
- Annual fee refund: $150 annual
- $150 annual fee refunded as a statement credit each year when you spend at least $150,000 in net purchases by your membership anniversary date; credit appears within 2 billing cycles after the anniversary date.
- No foreign transaction fees on purchases made outside the United States.
- Roadside
- Extended warranty
All 7 benefits
- Emergency assistance
- Other
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · capitalone.com “Get your $150 annual fee refunded on your account anniversary every year you spend at least $150,000.” |
|---|---|
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Issuer's page · capitalone.com “Pay at least the minimum payment amount by your payment due date, otherwise you’ll be charged a 2.99% late fee.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · capitalone.com “No foreign transaction fees” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve ever had a bonus on this card or one of its family, you can’t get it.
Questions
- What is the annual fee?
- $150 · capitalone.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · capitalone.com, since Oct 8, 2026
- Is there a welcome bonus?
- $2,000 cash back after $30,000 in purchases in 3 months. · capitalone.com, since Oct 4, 2026