Rewards
Signup Bonus
Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening.
Pros & Cons
- Welcome bonus
- No foreign transaction fee
- Up to 5% cash back
- unlimited 2% cash back
- Annual fee
- Requires good credit
- Pay your balance at the end of the month
Features & Benefits
Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Virtual Card Numbers, Card Lock |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
Benefits | Extended Warranty Coverage, Choose your due date, 24/7 customer service |
Travel Perks | Airport Lounge Access, Roadside Assistance |
Interest Rates & Fees
Annual Fee | $150 |
Foreign Transaction Fee | None |
Regular APR | none because balance is paid in full every month (V) APR |
What Credit Score Is Required to Get the Spark Plus
Based on data we’ve collected from public forums, a credit score of 780 or higher is ideal. But keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | Equifax | |||
Denied | 10/08/2021 | Equifax |
What Are the Best Alternatives?

Ink Business Cash® Credit Card
Rating
4.9
Rewards Range
1%-5%
Annual Fee
$0

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Rating
4.8
Rewards Range
1% - 5% Cash Back
Annual Fee
$0

Capital One Spark Cash Select - $500 Cash Bonus
Rating
4.7
Rewards Range
1.5% - 5%
Annual Fee
$0