Capital One Spark Cash Plus: what it's really worth

The Capital One Spark Cash Plus has a $150 annual fee. For a typical household spending $2,070 a month, it's worth about $347 in year one and $347 each year after.

The bonus needs $30,000 of spending in 3 months — aimed at businesses with big expenses.

The bonus needs about $10,000 a month of spending — more than the typical $2,070 — so it isn't counted in the year-one value above.

Is the annual fee worth it?

Probably not worth the fee after year one for typical spending: the no-fee Hilton Honors Card would net about $159 a year more. It can still make sense if you spend more in its bonus categories or use more of its credits.

How you earn

*At typical monthly spending: dining $300, groceries $500, hotels $80, flights $100, gas $150, streaming $40, everything else $900. 2% on everything; 5% on hotels and rental cars booked through Capital One Business Travel. $150 back each year you spend $150K+. Charge card: you pay the balance in full each month.

Who it's for

• High-spending businesses that want simple 2% cash back
• A very large bonus if you can meet the spending
• Not ideal: Small spenders — the fee only pays off above about $7,500 a year compared with a no-fee 1.5% card
• Not ideal: Carrying a balance (it's a charge card)

Can I get it?

• Recommended credit: Excellent
• Business card: you apply as a business owner. Freelancers and sole proprietors can usually apply with their own name and Social Security number.
• Capital One rules: Generally approves about one new Capital One card every 6 months. Bonuses may be limited if you've had the card in the last 48 months.
• Visa/Mastercard: Capital One issues this card on either Visa or Mastercard — check the logo on yours. Both are accepted almost everywhere, but Costco warehouses take only Visa.

Check the current offer at Capital One

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Updated Nov 4, 2026.