Capital One Spark 2% Cash Plus

The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Capital One makes every lending decision.

Annual fee and first-year pricing

The Spark Cash Plus card has an annual fee of $150, which is refunded annually when you spend at least $150,000. As well as an annual refund, you’ll also have access to:

Foreign transaction fee

Pay zero foreign transaction fees on purchases made outside of the United States.

Redemption options and restrictions

Redeeming the cash you earn with your Spark Cash Plus card is easy. Sign in to your Capital One Business account and navigate to the View rewards section. You’ll see different ways you can redeem your cash back, such as through a statement credit or check. Your Spark Cash Plus card account must be open and in good standing at the time of rewards redemption. Your cash rewards are yours for the life of the account—they won't expire. But if your account is closed, you may lose any rewards you have not redeemed.

Statement credits and enrollment

You will receive a statement credit of $150 each year when you spend at least $150,000 in net purchases by your membership anniversary date. You will see the statement credit within 2 billing cycles following your rewards membership anniversary date. Please note that statement credits lower your balance but do not count as payments. You must continue to make any required payments.

Other conditions

$150 annual fee—spend $150,000 annually and we’ll refund this fee every year 2% cash back Earn $4,000 or more in cash bonuses

Recorded from Capital One’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.