Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Capital One Spark Cash Plus
$2,000 Bonus Points
Our Mission
At Daily Drop, our mission is simple: to help you explore the world affordably and experience life-changing travel by maximizing miles and points. Our team of travel and credit card experts is here to help you make decisions about which cards belong in your wallet. Based on your travel goals, we offer unbiased advice to help you make the best choices. Keep in mind that our suggestions require responsible credit card use.
Rating Methodology
Here at Daily Drop, we score credit cards using a proprietary formula based on dozens of metrics across six key categories: annual fee, welcome offer, rewards rates, redemption value, benefits & perks, and travel protections. Higher scores indicate better overall value.
We net the annual fee against statement credits you'll likely use and focus on a welcome offer's true return on spending (ROI) rather than just the headline number. We value rewards by their actual worth in cents per point, which is why flexible, transferable points typically score highest. APR is not a standalone scoring category because we recommend paying in full to maximize points and miles, but an intro 0% APR counts as a perk.
Our reviews are editorial and experience-driven. Our team has earned and redeemed millions of miles and points and tested these cards around the world. After all, we would not be Daily Drop if we were not practicing what we preach.
Read our full methodology for more information.
Pros & Cons
Pros
- No preset spending limit
- 2% cash back on every purchase
- 5% cash back on hotels and rental cars booked through Capital One's travel booking site
- Rewards can be redeemed for a statement credit or a check
- Annual fee is refunded every year you spend at least $150,000
Cons
- No preset spending limit, but you must pay the balance in full each month
- Relatively low return-on-spending compared to some other business card welcome offers
Rewards Summary
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- 2% cash-back per $1 on every purchase with no minimums or expiration date
Additional Benefits
- Enjoy big purchasing power so you can spend more and earn more rewards
- No preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
- Top rated mobile app
Recommended Credit
The recommended credit score for the Spark Cash Plus is good to excellent.
Daily Drop credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Our Experts
Written by: McKay Moffitt
Writer
Updated:Jul 3, 2026
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by products. See the respective Guide to Benefits for details, as terms and exclusions apply.
Editorial disclaimer: opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Information was last updated Jul 3, 2026.