The Capital One Spark Cash Plus, issued by Capital One, is a World Elite Mastercard for Business credit card made of plastic.
Card Details
| Capital One Spark Cash Plus | |
|---|---|
| Network / Tier | Mastercard · World Elite Mastercard for Business |
| Issuer | Capital One |
| Annual Fee | $150.00 188th Effective: $0.00 • $150 $150 Annual Fee Refund |
| Foreign Transaction Fee | None 1st |
| Authorized User Fee | $0.00 1st |
| Min. Credit Line | N/A |
Welcome Offer
| Bonus | 2,000 Cash |
| Min. Spend | $30,000 |
| Timeline | 90 days |
| Efficiency | 0.07 pts/$1 |
| Cash Value | — |
| Portal Value | — |
| Transfer Value | — |
Rewards Breakdown
| Base Rate | 2.00x 11th |
| Hotels via Capital One Travel | 5.0% 3rd |
| Rental Cars via Capital One Travel | 5.0% 3rd |
| Anniversary Bonus | None |
Pricing Details
| Purchase APR | 7.00%–7.00% |
| Cash Advance APR | N/A |
| Cash Advance Fee | None |
| Balance Transfer Fee | None |
| Late Fee | Up to $39 20th |
| Return Payment Fee | Up to $39 41st |
| Min. Interest | $0.00 |
| Grace Period | 25 days 5th |
| Penalty APR | None |
| Intro APR Period | None |
Benefits & Partners
| Transfer Partners | None |
| Annual Credits | $150 $150 Annual Fee Refund |
| Partnership Benefits | None |
Strategy & Eligibility
| Min. Credit Score | 700+ |
| Recommended Range | Good to Excellent |
| Chase 5/24 Rule | No |
| Lifetime Restriction | None |
| Active Family Restriction | Yes (None) |
| Closure Grace Period | None |
| Credit Reporting | Experian, Equifax, TransUnion |
| Product Lifecycle | Available (5y ago) |
Access & Resources
| Digital Wallets | Apple Pay, Google Pay, Samsung Pay |
| Customer Service | Unverified |
| Instant Use | Available |
Comparisons
See how the Capital One Spark Cash Plus compares to other cards.