Spark Cash Plus
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How we calculate effective rate →
The Spark Cash Plus from Capital One earns up to 2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $150. New applicants may see: Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months..
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $150
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.
What does the Spark Cash Plus earn in each category?
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Spark Cash Plus compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Spark Cash Plus compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 2% Top category |
| Grocery Supermarkets and grocery stores | 2% back | 2% |
| Gas Gas stations and fuel | 2% back | 2% |
| Travel Flights, hotels, transit | 2% back | 2% |
| Other General everyday spend | 2% back | 2% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Spark Cash Plus?
The Spark Cash Plus fits spenders who put meaningful volume in dining and can earn 2% back. Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.
Spark Cash Plus fits spenders who put meaningful volume in dining and can earn 2% back. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.
Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today.
Pros
- Strongest Madeen category is dining at about 2% effective (2% back).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $150 annual fee requires enough spend in bonus categories to offset.
- Business card — rewards and liability rules differ from consumer cards.
What is the Spark Cash Plus welcome bonus?
In Madeen's catalog snapshot, the Spark Cash Plus welcome offer is Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- $2,000
- Terms (catalog snapshot)
- Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months.
- Minimum spend
- $30,000
- Window
- 3Months
Does the Spark Cash Plus have an annual fee?
The Spark Cash Plus has an annual fee of $150 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $150
- Foreign transaction fee
- None
What benefits come with the Spark Cash Plus?
The Spark Cash Plus includes Annual Fee Refund, Auto Rental Collision Damage Waiver, Booking.com in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended Warranty
$10,000/yrGet free additional warranty and protection on eligible items that you purchase with your card.
Purchase Security and Extended Protection
$10,000/yrPurchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
Lost Luggage Reimbursement
$3,000/yrwill reimburse you up to $3,000 If your checked luggage or carry on baggage is lost due to theft or misdirection by the common carrier (e.g., airline, rail, bus, ferry). For New York residents coverage is limited to $2,000 per bag.
Travel Accident Insurance
$3,000/yrprovides accidental death and dismemberment coverage. Coverage is in effect on the common carrier (e.g., flight, rail, bus, ferry, cruise ship), as well as while on courtesy ground transportation to and from the airport (or train depot, bus, terminal, etc.) and between terminals, as well as when you are at the airport immediately before departure, or immediately after arrival, on any covered trip.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Roadside Assistance
$50/yrOur business cards offer services to help you during auto-related emergencies, such as jump-starting, tire changing and towing.
Auto Rental Collision Damage Waiver
$10/yr(ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.
Golf Benefits from Troon Rewards®
$10/yrEnjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Travel and Emergency Assistance Services
$10/yrWhen you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Related encyclopedia topics
What annual spend bonuses does the Spark Cash Plus offer?
- Earn an annual $200 cash bonus every year you spend $200,000 or more–that's enough to cover your annual fee and then some
Common questions about the Spark Cash Plus
Does the Spark Cash Plus have an annual fee?
The Spark Cash Plus carries an annual fee of $150 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Spark Cash Plus?
Dining is the strongest Madeen category for the Spark Cash Plus at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Spark Cash Plus charge foreign transaction fees?
The Spark Cash Plus does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Spark Cash Plus welcome bonus?
The Spark Cash Plus welcome offer in our snapshot: Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Spark Cash Plus annual fee worth it?
Whether the $150 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the Spark Cash Plus?
Madeen's catalog lists a typical credit range of Excellent for the Spark Cash Plus. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Spark Cash Plus compare to similar cards?
Compare the Spark Cash Plus against Pottery Barn Key Rewards Visa (4% on Dining, $0 fee); SavorOne Dining Rewards (4% on Dining, $95 fee); The Key Rewards Visa (4% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Spark Cash Plus This card | Dining | 2% | $150 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $95 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $0 |
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Capital One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Capital One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure