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Capital One Spark Cash Plus review: Is the boosted buying power worth a higher fee?

 /  11 min
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Snapshot

4.7

Bankrate rating
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Rating: 4.7 stars out of 5

Bottom line

If you're a big spender looking for a low-maintenance business rewards card with a reasonable annual fee, the Spark Cash Plus is worth a look.

BEST FLAT-RATE BUSINESS CARD

Recommended credit score:(740 - 850)
Apply nowLock

on Capital One's secure site

See Rates & Fees

Intro offer

$2,000 cash back

Rewards Rate

2% - 5%

Annual fee

$150

Regular APR

N/A

4.0

Cardholder rating

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4.0 / 5

Extra perks

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4.2 / 5

Online tools

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4.1 / 5

Customer service

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4.1 / 5

Information safe

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4.1 / 5

4.7

Bankrate score

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4.7 / 5

Rewards value

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5.0 / 5

APR

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1.0 / 5

Rewards flexibility

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4.0 / 5

Features

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4.0 / 5
compare
Compare

Capital One Spark Cash Plus Overview

  • Credit Card Cash Back Icon

    Rewards

  • Rewards Icon

    Welcome offer

  • Credit Card Search Icon
    Rates and fees
  • Congrats Icon
    Other cardholder perks

Capital One Spark Cash Plus pros and cons

Pros

  • Checkmark Icon

    Cash back points are easy to rack up, especially when free employee cards can also earn rewards.

  • Checkmark Icon

    It’s a charge card, so there is no APR or defined credit limit to hold back your spending.

  • Checkmark Icon

    You can offset the annual fee every year you spend at least $150,000.

Cons

  • The annual fee might be costly for modest spenders.

  • Since it’s a charge card, you must pay your balance in full each billing period.

  • Typical for charge cards, a penalty fee applies for late payments.

  • Excellent credit is recommended to be eligible for this card.

Why you might want the Capital One Spark Cash Plus

Why you might want a different business card

First-year value vs. ongoing value

We tried it: Here’s what our experts say

How the Capital One Spark Cash Plus compares to other business cards

Image of Capital One Spark Cash Plus

Annual fee

$150

Intro offer

$2,000 cash back
Info Icon

Rewards rate

2% - 5%
Info Icon

Recommended Credit Score

Excellent (740 – 850)
Info Icon
Image of Ink Business Premier® Credit Card
Bankrate Score
Apply now Lock Icon
on Chase's secure site

Annual fee

$195

Intro offer

$1,000 Cash Back
Info Icon

Rewards rate

2% - 5%
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of The American Express Blue Business Cash™ Card
Bankrate Score
See Rates & Fees , Terms Apply
Apply now Lock Icon
on American Express's secure site

Annual fee

No annual fee

Intro offer

$250 statement credit
Info Icon

Rewards rate

1% - 2%
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon

Best cards to pair with the Capital One Spark Cash Plus card

Who is the Capital One Spark Cash Plus card right for?

Bankrate’s Take — Is the Capital One Spark Cash Plus card worth it?

Frequently Asked Questions

What cardholders think

Image of Capital One Spark Cash Plus

Capital One Spark Cash Plus

4.0 Star Icon
45 ratings
Info Icon
Score breakdown
5 stars
47%
4 stars
24%
3 stars
18%
2 stars
2%
1 star
9%
Score by category
Overall 4.0 / 5
Extra perks 4.0 / 5
Privacy and security 4.0 / 5
Customer service 4.1 / 5
Online portal or mobile app 3.8 / 5

In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are based on individual cardholder’s product details, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. User ratings are unedited and have not been reviewed or approved by credit card issuers, nor do these ratings reflect Bankrate’s own reviews of these cards.

Community Reviews

Explore Capital One Spark Cash Plus reviews from certified cardholders.
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Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
This card is a part of my everyday life.It helps me save money when I make small purchases for my kids for snacks
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Able to pay a good portion of the bill with my cash back
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Easy convenient terms, good customer service
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I use this for my personal banking needs. So for the business I chose a brand I know and trust.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It’s essential for my business, couldn’t function without it
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It offers everything I need
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No, I utilize for business only
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
atms plus online. face to face or chat.
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes I love it
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I can get cash back
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes, this card helps me get cash back rewards.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 2 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
yes
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It is part of my everyday life because of the excellent reward accumulation it offers
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Because it offered the best options I needed
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Benefit
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I trust Capital One for my credit card needs...
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I will recommend it to my friend
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I love this card and use it weekly at grocery stores and restaurants
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I love all capital one cards
Score by category
Extra perks 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Benefits
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I love rewards and trust capital one
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 3 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Good benefits and cash back
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 2 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
The cash back feature
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Rate of interest
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I like the rewards back and use them for credit to save the business money,
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
the perks
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
It was easy to apply and use
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No interest to high
Score by category
Extra perks 3 / 5
Online portal or mobile app 2 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Because they give me a welcome bonus
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
great rates keeping payments to a minable amount each month
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Capital one cash plus is a very reliable card too use for many reasons
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I was able to buy myself a new pair of Vans skate shoes...
Score by category
Extra perks 3 / 5
Online portal or mobile app 2 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
don't see many perks with the card
Score by category
Extra perks 2 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Just because they haven't wronged me. No news is good news
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It doesn’t give you much benifits
Score by category
Extra perks 4 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I have had it a long time but don't use it much because of the $ limit.
Score by category
Extra perks 4 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I use it for rewards and cash back when I can. However I try to avoid credit cards.
Score by category
Extra perks 4 / 5
Online portal or mobile app 2 / 5
Customer service 2 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes it’s a part of everyday life because it’s easy making payments and using it
Score by category
Extra perks 4 / 5
Online portal or mobile app 2 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No, I’m not to favorable. It doesn’t have many benefits and the people in customer service tend to be rude.
Score by category
Extra perks 4 / 5
Online portal or mobile app 2 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I earned cash back from using my capital One spark cash plus card.
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
It’s fast and efficient and secure
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Our Capital One interest rate is 17.99%. We have never been late so we don't use this card much when our Bank of America charges us 7.99% that's a 10% difference
Score by category
Extra perks 1 / 5
Online portal or mobile app 1 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I was issued this card for work purposes
Score by category
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No, we're trying to cut down our credit card use.
Score by category
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Rigid operating policies and procedures, customer service agents unwilling to assist or transfer to a supervisor, arbitrary reductions in credit lines, no executive complaint function at the corporate office.
Score by category
Extra perks 1 / 5
Online portal or mobile app 1 / 5
Customer service 1 / 5
Privacy and security 1 / 5
Written by
Garrett Yarbrough
Writer, Credit cards
Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers.
Edited by Senior editor, credit cards
Reviewed by Former Editor, Credit Cards

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.