Capital One · Business

Spark Cash Plus

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.

Spark Cash Plus2%
Dining at 2%$150 annual feeWelcome bonus
Top 59% for Dining
Highest earn rate in Dining at 2% effective value

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
Spark Cash Plus card art

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.

Madeen analysis

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.

Madeen take

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.
Welcome bonus

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
Fees

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
Benefits

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.

Madeen estimated annual value~$27,610
14 of 16 benefits valued
  • Extended Warranty

    $10,000/yr

    Get free additional warranty and protection on eligible items that you purchase with your card.

    How we value this

    Statement credit face value from issuer terms — $10000 face value (annualized from issuer terms).

  • Purchase Security and Extended Protection

    $10,000/yr

    Purchase 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.

    Visa Signature®
    How we value this

    Statement credit face value from issuer terms — $10000.00 face value (annualized from issuer terms). Card-specific overrides recommended where amounts differ.

  • Lost Luggage Reimbursement

    $3,000/yr

    will 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.

    Visa Signature®
    How we value this

    Statement credit face value from issuer terms — $3000 face value (annualized from issuer terms).

  • Travel Accident Insurance

    $3,000/yr

    provides 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.

    Visa Signature®
    How we value this

    Statement credit face value from issuer terms — $3000 face value (annualized from issuer terms).

  • Roadside Dispatch®

    $1,000/yr

    This 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.

    Visa Signature®
    How we value this

    Statement credit face value from issuer terms — $1000 face value (annualized from issuer terms).

  • Sofar Sounds

    $240/yr

    Enjoy 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®
    How we value this

    Editorial review of "Sofar Sounds" — annual value verified from issuer terms (legacy auto-derived basis replaced during full catalog audit).

  • Visa Signature Concierge

    $150/yr

    Get assistance with travel planning, entertainment tickets and more.

    Visa Signature®
    How we value this

    Premium concierge service — editorial expected value $150/yr (not lounge-access proxy).

  • OpenTable

    $120/yr

    Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.

    Visa Signature®
    How we value this

    Editorial review of "OpenTable" — annual value verified from issuer terms (legacy auto-derived basis replaced during full catalog audit).

  • Roadside Assistance

    $50/yr

    Our business cards offer services to help you during auto-related emergencies, such as jump-starting, tire changing and towing.

    How we value this

    Statement credit face value from issuer terms — $50/yr annual face value.

  • 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.

    Visa Signature®
    How we value this

    Minimal expected value for standard network-tier boilerplate; excluded from card totals when flagged as network benefit.

  • Golf Benefits from Troon Rewards®

    $10/yr

    Enjoy 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.

    Visa Signature®
    How we value this

    Minimal expected value for standard network-tier boilerplate; excluded from card totals when flagged as network benefit.

  • Travel and Emergency Assistance Services

    $10/yr

    When 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.

    Visa Signature®
    How we value this

    Minimal expected value for standard network-tier boilerplate; excluded from card totals when flagged as network benefit.

Spend bonuses

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.

Compare

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.

CardTop categoryEffective valueAnnual fee
Spark Cash Plus
This card
Dining2%$150
Dining4%$0
Dining4%$95
Dining4%$0
Dining4%$0
Compare
Merchants

Where this card ranks

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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.

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Reviewed by Madeen editorial review
Catalog snapshot 2026-05-01
Updated 2026-06-25
Data source Madeen catalog analysis

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

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