Capital One · Visa · business · Cash back
Capital One
Spark Cash Plus
VISA
Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.
Review the linked sources below for offer details and eligibility.
$150
annual fee
0%
foreign txn fee
$0
credits/yr realistic ($0 face)
$2,000
sign-up bonus ≈ 2000 cash after $30,000/3mo
Earning
| Capital One Travel portal (Issuer travel portal) | 5% | 5% |
| Everything else | 2% | 2% |
Right column: value per $ at travel valuation (1¢/pt). Dollar-for-dollar.
Credits
None.
Benefits
- No foreign transaction fees
- Annual fee refunded when you spend $150,000+ in a year
- Pay-in-full card (no preset spending limit)
Protections
| extended warranty | +1 year on warranties of 3 years or less |
| rental car | secondary |
| travel accident | Up to $250,000 |
Notes
WEB-VERIFIED 2026-09-08 against https://thepointsguy.com/credit-cards/reviews/capital-one-spark-cash-plus-review/: $150 fee refunded at $150k spend, unlimited 2%, no FTF (TPG, Jul 29 2026). Protections still from model knowledge.