Capital One Spark Cash
Fees
Earning Rates
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions.
Intro Bonus
Main Benefits
- Free employee cards and no foreign transaction fee.
Our Take
Card Details
Spark Cash earning rate
The Spark Cash earns unlimited cash back at the following rates:
- 5% cash back on hotels and rental cars booked through Capital One Travel.
- 2% cash back on all other purchases for your business, everywhere, no limits or category restrictions.
Spark Cash benefits
Here are the main benefits of the Spark Cash:
- Travel & Purchase Coverage: Roadside Assistance and Extended Warranty.
Spark Cash fees
Annual Fee
The Spark Cash has an introductory fee of $0, then $95 annually.
For businesses spending over $150K annually ($12,500 per month), the Spark Cash Plus Card is a top choice. While it carries a $150 annual fee, that fee is fully reimbursed if you meet the $150K spending threshold within the calendar year.
If your business spends less than $19.2K annually ($1,600 per month), the no-annual-fee Capital One Spark Cash Select for Business is a better fit, offering solid cash-back rewards without any added cost.
Authorized User Fee
There is no fee to add authorized users to the Spark Cash. Additional employee cards can help build cash back faster and help you push towards the annual fee rebate.
Foreign Transaction Fee
The Spark Cash has a 0% foreign transaction fee. That makes this an excellent choice for businesses that deal with international travel and/or spending.
Spark Cash cash back calculator
Use the Spark Cash Calculator to estimate your total cash back and card value based on your spending and card benefits. Factor in expenses and subtract annual fees to see the full value of the Spark Cash.
Card Details All links open in new tab (so you will not lose your calculations).
Edit Card Details
Edit Card Name
Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.
Quick Assign
Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.
Currency Codes
Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.
Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.
Currency Name
Add Status / Loyalty
You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.
If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.
NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.
Clear / Remove...
If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.
Card Select
Select the card you will use for this category.
Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.
