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Visa2/4 on file
✓ Annual fee checked
Capital One · Visa

Spark Cash Plus

BusinessCash BackNo FX FeeRewards

The Spark Cash Plus is a Visa card from Capital One with an annual fee of $150. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: annual fee (Sep 2026), foreign transaction fee (Oct 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.

Annual fee$150per yearChecked capitalone.com
Welcome offer$2,000estimated 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 Cash Plus, exactly as recorded.

Annual fee
$150Checked capitalone.com
Supplementary card
Not confirmed
Foreign transaction
NoneChecked capitalone.com
Purchase APR
Not confirmedIssuer restricts access — check their site
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 Cash Plus, but not the terms that earn them — Capital One’s own page says what you need to do.

Est. value$2,000Checked capitalone.com
Min. spend$30,000within 90 daysChecked capitalone.com
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the Spark Cash Plus. Rather than print a multiplier we cannot source, this stays blank until Capital One’s own terms give us one.

We couldn't verify this · check with the issuer
Included

Perks & benefits

Card benefits

  • Automatic payments (AutoPay)
  • $0 fraud liability
  • Emergency card replacement and cash advance
  • Year-end itemized spending summaries
  • Assignable account managers
  • Downloadable purchase records (Quicken, QuickBooks, Excel)
  • Virtual card numbers
Next step

Ready to apply for the Spark Cash Plus?

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 Cash Plus

How much is the Spark Cash Plus annual fee?

The Spark Cash Plus has an annual fee of $150. Weigh that against the rewards and perks you will actually use.

What does the Spark Cash Plus earn?

We could not verify the Spark Cash Plus's earn rates, so we do not print a multiplier. Check them on Capital One's own site.

What network is the Spark Cash Plus on?

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

Is the Spark Cash Plus available in United States?

Yes — the Spark Cash Plus 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 Cash Plus figures last checked?

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