Home › Credit cards › Capital One Spark Cash Plus

Capital One Spark Cash Plus: terms, score and downsides

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric score 61.4% across 78 cards (limited data). Issuer page ↗

Downsides first

• $150 annual fee (Refunded each year you spend ≥$150,000; charge card (pay in full))

Terms & fees

• IssuerCapital One
• Typebusiness
• Annual fee$150 (Refunded each year you spend ≥$150,000; charge card (pay in full)) capitalone.com, 2026-10-12
• Regular purchase APRnot found capitalone.com, 2026-10-12
• Rewards2% base capitalone.com, 2026-10-12
• Sign-up bonus (≈$)$2,000 $2,000 after $30,000 in 3 months capitalone.com, 2026-10-12
• Intro APRnone No intro APR shown capitalone.com, 2026-10-12
• Foreign transaction feenot found capitalone.com, 2026-10-12
• Penalty APRnot found consumerfinance.gov, 2026-10-12
• Late feenot found files.consumerfinance.gov, 2025-12-31
• Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
• Cash advance feenot found files.consumerfinance.gov, 2025-12-31
• Credit needednot found capitalone.com, 2026-10-12
• Grace periodnot found
• Cash advance APRnot found

Complaint record (CFPB)

• Complaints, last 12 months33,730
• Trend▲ 5.2% (last 12 mo 33,730 vs prior 12 mo 32,048)
• Timely response (last 36 mo)100.0%
• Per $1B deposits (12 mo)65.8
• Top issueIncorrect information on your report
• Insurance statusFDIC-insured: Capital One, National Association (cert 4297, active; deposits $512.6B as of 06/30/2026)

Company-level (CAPITAL ONE FINANCIAL CORPORATION), all products, as of 2026-10-12. Capital One complaints: full record → Shown for context; does not change the score.

Score breakdown

• Annual fee 5.0/10Annual fee $150 (Refunded each year you spend ≥$150,000; charge card (pay in full)) (as of 2026-10-12). Rubric: $0=10, ≤$95=8, ≤$395=5, ≤$695=3, more=1 (perks/credits are not counted).
• Rewards rate 8.0/10Base 2% on everything, top category 2% (as of 2026-10-12; points/miles valued at 1¢). Score = base/2%×7 + min(top,6)/6%×3. 2% base
• Sign-up bonus 10/10Bonus ≈ $2000: $2,000 after $30,000 in 3 months (as of 2026-10-12). Score = value/$75, max 10.
• Intro 0% APR 0.0/10No intro APR shown (as of 2026-10-12). Score = months/21×10.
• Regular APR n/a/10not found — unknown, scored 5.0/10 (lower of neutral 5 and comparison median)
• Foreign transaction fee n/a/10not found — unknown, scored 5.0/10 (lower of neutral 5 and comparison median)
• Regulatory record (CFPB) 10.0/10Issuer Capital One: Base 10, 0 CFPB 2025-01 (dismissed)

0.143×5.0 + 0.143×8.0 + 0.143×10 + 0.143×0.0 + 0.143×5.0* + 0.143×5.0* + 0.143×10.0 = 6.14 → 61.4% (* unknown, imputed)

Is Capital One Spark Cash Plus worth it? (break-even math) →Value for my spending →

Compare with

Capital One Spark Cash Plus vs Chase Ink Business Unlimited · Capital One Spark Cash Plus vs Chase Ink Business Cash · Capital One Spark Cash Plus vs Chase Ink Business Preferred · Capital One Spark Cash Plus vs Amex Blue Business Plus

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

What is the Capital One Spark Cash Plus annual fee?

$150 (Refunded each year you spend ≥$150,000; charge card (pay in full))

What is the Capital One Spark Cash Plus APR?

not found

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.