Established businesses spending $50,000+/yr who want flat 2% on everything with no rotating-category tracking and an annual $200 cash bonus once you hit $200k in spend (recovers most of the AF). Charge-card structure — pay in full monthly.

Not for

Newer businesses without $50k+ annual spend (the $150 AF + charge-card pay-in-full requirement is more friction than the $0-AF Spark Cash Select justifies). Also not for businesses that need revolving credit.

The catch

Capital One markets the $200 bonus at $200k spend as a near-zero net AF. True — but you have to actually hit $200k each year, and the bonus only triggers in years you do. Treat the AF as $150 and the bonus as upside, not as core math.

Card facts

Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.

Product specs

Annual fee: $150
Ongoing APR: Charge card (no APR, balance due in full)
Foreign transaction fee: None
Late payment fee: 2.99% of past due amount
Schumer Box verified: June 29, 2026

How we scored this card

See our published methodology — 5 dimensions, 0–20 each, 100-point total.

Effective rewards rate16 / 20

Fee structure14 / 20

Audience fit16 / 20

Transparency and trust17 / 20

Honest weakness named17 / 20

Total80 / 100 · Solid pick

Frequently asked

Is the Capital One Spark Cash Plus's $150 annual fee worth it?

The Capital One Spark Cash Plus charges a $150 annual fee. In our review it earns a fees score of 14/20 — the "How we scored this card" section below shows how we weigh that against the rewards and benefits. Established businesses spending $50,000+/yr who want flat 2% on everything with no rotating-category tracking and an annual $200 cash bonus once you hit $200k in spend (recovers most of the AF). Charge-card structure — pay in full monthly.

What APR does the Capital One Spark Cash Plus charge?

Charge card (no APR, balance due in full). APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.

Does the Capital One Spark Cash Plus charge foreign transaction fees?

No. The Capital One Spark Cash Plus has no foreign transaction fee, so it works cleanly for purchases abroad.

Who is the Capital One Spark Cash Plus best for?

Who should skip the Capital One Spark Cash Plus?

How did ClearValue score the Capital One Spark Cash Plus?

Capital One Spark Cash Plus scored 80/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and whether an honest weakness is named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.

Alternatives to the Capital One Spark Cash Plus

Other business cards we've scored, ranked by our methodology.

Compare the Capital One Spark Cash Plus to

Chase Ink Business Preferred vs Capital One Spark Cash Plus

This is an independent editorial review. This page carries no partner link and earns nothing from what you read here — our scoring is never influenced by compensation, and reflects only our published rubric. When you use our match tool, we may be paid by a partner (CardRatings) if you continue with a card from there. See our methodology and disclosure.

Capital One Spark Cash Plus80/100 · Solid pick

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Capital One Spark Cash Plus