IssuerCapital One
NetworkMastercard
Annual fee$150/year
Foreign tx feeNone
Regular APRN/A (charge card)
Approval band700+ estimated
Capital One Spark Cash Plus
Public card facts for browsing and comparison. Fynn estimates fit and value after it knows your profile; issuer terms and approval decisions can change.
Welcome offer
$2.0k cash back welcome offer
Min score
700+
Base earn
2x
Earning rates
Hotels and rental cars booked through Capital One Business Travel5×
All other purchases2×
Current offer
$2.0k after spending $30,000 in the first 3 months.
Credits
Annual fee refund statement credit
Statement credit of $150 each year when you spend at least $150,000 in net purchases by your membership anniversary date.
Perks
- Year one spend bonus
- Rewards expiration
- No foreign transaction fees
- Pay-in-full card (no APR)
- Flexible spend capacity (no preset spend limit)
- $0 fraud liability
- Extended warranty
- Roadside assistance
- Free employee and virtual cards
Source and disclosures
We use issuer and application pages as the primary source where available. Terms, bonuses, APRs, credits, and eligibility rules can change without notice, so confirm current details on the issuer page before applying.