Spark Cash Plus
Fee refunded each year you spend $150,000+ in net purchases by your membership anniversary.
Credits 1
Every statement credit on this card, how often it comes back and when it resets.
Every year
The $150 annual fee is refunded as a statement credit for each year you spend at least $150,000.
Condition: After $150,000 in net purchases by the membership anniversary
Also included
- No foreign transaction fees
- No preset spending limit (designed to be paid in full)
- Free employee cards
- Extended warranty and roadside assistance
Before you apply
Capital One’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules
Capital One tends to approve one new Capital One card, personal or business, every 6 months. Capital One has no published 2/24 rule; this is the closest consistent pattern. Applying sooner often ends in a denial for too many recent Capital One accounts. Recent cards at other banks can also hurt your odds.
Capital One used to cap people at 2 of its own personal cards. Many people now have more. A third personal Capital One card may be declined.
Never miss one of these credits
Add the Spark 2% Cash Plus to Premium Finance, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.
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Last checked Oct 16, 2026. Spot something out of date? Tell us.