The Capital One Spark Cash Plus, issued by Capital One, is a solid choice in the market.
Capital One Spark Cash Plus Payoff Analysis
Capital One Spark Cash Plus Payoff Analysis
This tool is provided "AS IS" for informational purposes. It does not constitute financial or legal advice. Projections are based solely on user inputs and may not reflect current issuer terms. Users must verify all data against their official cardmember agreements. See full Terms.
Time to Pay Off
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Rewards Earned
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Interest Paid
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Interest Earned
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Interest earned by keeping your cash in a yield-bearing account during the grace period.
Formula: Balance × (APY / 365) × Days. --
Formula: Balance × (APY / 365) × Days. --
* Estimates use live economic data (Prime Rate: 6.75%) and daily compounding. Does not include new purchases or late fees.
Snapshot
Capital One Spark Cash Plus | |
|---|---|
| Issuer | Capital One |
| Network | Mastercard (World Elite Mastercard for Business) |
| Card Material | Plastic |
| Annual Fee | $150.00 Effective: $0.00 • $150 $150 Annual Fee Refund |
| Base Rate | 2.00% |
| Travel Rewards | 5.00x |
| Authorized User Fee | $0.00 |
| Foreign Transaction Fee | None |
| Credit Reporting | Ex, Eq, Tu |
| Product Lifecycle | Available (4y ago) |
| Minimum Credit Line | N/A |
Welcome Offer
| Bonus | 2,000 Cash |
| Spend Requirement | $30,000 |
| Timeline | 90 days |
| Efficiency Score | 0.07 pts/$1 |
| Cash Back Value | — |
| Portal Travel Value | — |
| Transfer Estimated Value | — |
Rewards Breakdown
| Base Rate | 2.00% |
| Hotels and Rental Cars via Capital One Travel | 5.0% |
| Anniversary Bonus | None |
| Portal Boost | 1x |
Pricing Details
| Purchase APR | 6.75% - 6.75% |
| Cash Advance Fee | None |
| Balance Transfer Fee | None |
| Late Payment Fee | Up to $39 |
| Minimum Interest Charge | $0.00 |
| Grace Period | 25 days |
| Penalty APR | None |
Official Resources
Usability & Experience
| Digital Wallets | apple-pay, google-pay, samsung-pay |
| Customer Service | Unverified |
| Instant Use | Available |
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 |
Comparisons
See how the Capital One Spark Cash Plus compares to other cards.