Cardflare

Capital One Spark Cash

Capital One

Key facts

  • Annual fee$95
  • RewardsCash back
  • Everything else earns2% back
  • Minimum credit score700

Earn rates

One flat rate: 2% back on purchases. The catalog records no bonus categories for this card.

Through the issuer's travel portal

  • 5% back on Travel (hotel), Travel (other)

Signup bonus

$1,000 after $10,000 of spend in the first 3 months.

Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with Capital One; the card name is its owner's trademark.

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