THE CARDTUNED DATABASE
Capital One Spark 2% Cash Plus
Issuer: Capital One · Network: Visa
Unlimited 2% cash back on purchases; elevated Capital One Travel and Entertainment rates may apply
- Annual fee
- $150
- Foreign transaction fee
- $0
- Intro APR
- None
- Regular APR
- Designed to be paid in full; eligible balances may be carried with interest under current terms.
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
Earn a $2,000 cash bonus after $30,000 in purchases within 3 months; earn another $2,000 for every $500,000 spent during the first year (repeatable).
- Spending requirement
- $30,000 in first 3 months; $500,000 per additional bonus during first year
- Time window
- First 3 months / first year
Offer last checked: 2026-09-08
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 2% | Unlimited — cash back on purchases $150 annual-fee refund requires $150,000 annual spend |
Additional benefits
• Earn a $2,000 cash bonus after $30,000 in purchases within 3 months
• Earn another $2,000 for every $500,000 spent during the first year; repeatable
• Use employee/virtual cards and business expense-management tools
Restrictions to know
Bonuses may be unavailable to existing or previous Capital One Business cardholders. Each additional $2,000 bonus requires $500,000 in first-year spend and may be earned multiple times. The $500 Business Travel credit offer ended September 7, 2026 and is not a current offer. The $150 annual-fee refund requires at least $150,000 in annual spend.
Who can apply
U.S. small-business application
Credit profile: Excellent