Rewards
5% cash back
Earn unlimited 5% cash back on hotels booked through Capital One Travel.
5% cash back
Earn unlimited 5% cash back on rental cars booked through Capital One Travel.
2% cash back
Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions.
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
Pros
- Welcome bonus
- No foreign transaction fee
- Up to 5% cash back
- unlimited 2% cash back
Cons
- 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