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Visa1/4 on file
Annual fee: issuer restricts access
Capital One · Visa

Spark 2% Cash

BusinessCash BackNo FX FeeRewards

The Spark 2% Cash is a Visa card from Capital One. Capital One's site does not let us read its terms, so we leave the annual fee blank — check it on Capital One's own site. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: foreign transaction fee (Oct 2026), earn rates (Sep 2026), welcome offer (Sep 2026). Not yet checked with Capital One: credit requirement. Capital One’s own page is authoritative — confirm anything you rely on there before you apply.

Top earn rate5%on hotels, vacation rentals and rental cars booked through Capital One Business TravelChecked capitalone.com
Welcome offer$1,000estimated valueChecked capitalone.com
Apply on Capital OneCompare this card
Opens Capital One’s site

Bank with branches in: New York (75), Louisiana (59), Maryland (41), Texas (20), Virginia (20), New Jersey (16), District of Columbia (5), Connecticut (1) and 1 more. Where it has branches is not a rule on who may apply.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the Spark 2% Cash, exactly as recorded.

Annual fee
Not confirmedWe couldn't verify this · check with the issuer
Supplementary card
Not confirmed
Foreign transaction
NoneChecked capitalone.com
Purchase APR
Not confirmedWe couldn't verify this · check with the issuer
Income requirement
Not confirmed
Network
Visa
Credit needed
ExcellentNot yet checked with Capital One
Sign-up

The welcome offer

We hold the welcome-bonus figures below for the Spark 2% Cash, but not the terms that earn them — Capital One’s own page says what you need to do.

Est. value$1,000Checked capitalone.com
Min. spend$10,000within 90 daysChecked capitalone.com
Rewards

What it earns

Published category multipliers for the Spark 2% Cash.

CategoryEarn rateCap
hotels, vacation rentals and rental cars booked through Capital One Business Travel5%No cap on file
Other2%No cap on file
Checked capitalone.com
Included

Perks & benefits

Card benefits

  • Automatic payments
  • $0 fraud liability
  • Year-end summaries
  • Account managers
  • Purchase records
  • Virtual card numbers
Next step

Ready to apply for the Spark 2% Cash?

You'll finish the application on Capital One's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Capital One’s site
Questions

Questions about the Spark 2% Cash

How much is the Spark 2% Cash annual fee?

We could not verify the Spark 2% Cash's annual fee, so we do not print one. Check the current annual fee on Capital One's own site before you apply.

What does the Spark 2% Cash earn?

The Spark 2% Cash earns 5% on hotels, vacation rentals and rental cars booked through Capital One Business Travel, plus published rates on 1 other category. The full table is on this page.

What network is the Spark 2% Cash on?

The Spark 2% Cash runs on the Visa network, which determines where it is accepted and which network-level benefits apply.

Is the Spark 2% Cash available in United States?

Yes — the Spark 2% Cash is issued by Capital One and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the Spark 2% Cash figures last checked?

We checked its foreign transaction fee in October 2026, its earn rates in September 2026 and its welcome offer in September 2026, each against a published document. Not yet checked with Capital One: credit requirement. We could not verify, so we do not print: annual fee, purchase APR and welcome offer. Check them with Capital One. Terms can change without notice, so confirm the current details with Capital One before you apply.