Capital One · Public card profile
Capital One Spark 2% Cash Plus
Review published reward categories, fees, recurring benefits, and source-dated offer history. Product terms can change; confirm current information with the issuer.
Last reviewed: September 19, 2026 · Current issuer destination
- Annual fee
- $150
- Card type
- Business
- Market
- US
Source-dated offer history
Welcome-offer history
Current reviewed public offer: $2,000 public cash offer. Offers can vary by applicant, channel and session.
$2,000 public cash offer · Spend $30,000 in 3 months · dated source
How the label works: “Best recorded” is at least 99% of this page’s sourced high, “Elevated” is at least 80%, and “Typical” is below 80%. It describes only the records shown—not every offer ever available. Point and mile values use the conservative stored baseline.
Published reward categories
5.00×
Capital One Business Hotels Cars
Hotels and rental cars through Capital One Business Travel.
Portal channel required
2.00×
Other Purchases
Unlimited cash back on eligible purchases.
Published benefits
annual
Annual Fee Refund
Annual fee refunded after $150,000 in annual spend; terms apply.
Independent information: CreditCardCompanion does not collect bank credentials or transaction history. Compensation never changes the factual card information shown, and approval is never guaranteed.
No compensation link is active for this card. Verify the current offer and complete terms directly with the issuer.
Renewal and alternatives
Renewal baseline: start with the $150 annual fee, then count only recurring rewards and benefits you expect to use. Welcome offers belong in a separate first-year calculation.
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Decision summary
Where this card may fit
Potential best uses
- 5.00× Capital One Business Hotels Cars
Hotels and rental cars through Capital One Business Travel. - 2.00× Other Purchases
Unlimited cash back on eligible purchases.
Cost and benefits
Start with the annual fee and count only benefits that replace normal spending.
1 recurring benefit currently catalogued.
Watch before choosing
- Portal booking or purchase channel required for Capital One Business Hotels Cars.
- The $150 annual fee requires a recurring-value check.
Data status: reviewed September 19, 2026. Check official source. Approval is not predicted.