Cardflare

Capital One Spark Cash Plus

Capital One

Key facts

  • Annual fee$150
  • RewardsCash back
  • Everything else earns2% back
  • Minimum credit score720

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

$2,000 after $30,000 of spend in the first 3 months.

Additional $2,000 bonus for every $500,000 spent in the first year

Credits and benefits

The credits the catalog models as fee offsets. Not a complete list of every perk.

  • $150 a year — $150 statement credit each year when you spend at least $150,000 in net purchases by the membership anniversary

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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