Spark Cash
The Spark Cash from Capital One earns up to 2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: Earn a $1,000 cash bonus when you spend $10,000 in the first 3 months.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $95
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Spark Cash earn in each category?
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 29% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 29% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 2% Top category |
| Grocery Supermarkets and grocery stores | 2% back | 2% |
| Gas Gas stations and fuel | 2% back | 2% |
| Travel Flights, hotels, transit | 2% back | 2% |
| Other General everyday spend | 2% back | 2% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Spark Cash?
The Spark Cash fits spenders who put meaningful volume in dining and can earn 2% back. Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.
Spark Cash fits spenders who put meaningful volume in dining and can earn 2% back. Madeen ranks its dining effective rate higher than about 29% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.
Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 2% effective (2% back).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- Business card — rewards and liability rules differ from consumer cards.
Does the Spark Cash have an annual fee, and what's the welcome bonus?
The Spark Cash has an annual fee of $95 and a foreign transaction fee of None. New applicants may see: Earn a $1,000 cash bonus when you spend $10,000 in the first 3 months.. Confirm current issuer terms before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
- Signup bonus
- Earn a $1,000 cash bonus when you spend $10,000 in the first 3 months. First-year annual fee waived.
What benefits come with the Spark Cash?
The Spark Cash includes Car Rental Insurance, Extended Warranty, Global emergency services in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Car Rental InsuranceIncluded with World Elite Mastercard®
Reimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.
- Extended Warranty
Get free additional warranty and protection on eligible items that you purchase with your card.
- Global emergency servicesIncluded with World Elite Mastercard®
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- HealthLockIncluded with World Elite Mastercard®
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
- Instacart BusinessIncluded with World Elite Mastercard®
Fuel your business with same-day delivery of snacks, supplies and more. Enjoy $0 delivery fees* with three free months of Instacart+ and $20 off your second order each month. Offer expires on 1/31/2027.
- Intuit® QuickBooks® Online and QuickBooks Online PayrollIncluded with World Elite Mastercard®
Save 30% on QuickBooks Online, QuickBooks Solopreneur or QuickBooks Online Payroll for 12 months.
- Intuit® TurboTax®Included with World Elite Mastercard®
Save 20% on the TurboTax solution that best fits your small business needs and can help get your best possible tax outcome.
- LuminaryIncluded with World Elite Mastercard®
Save 30% on an annual or monthly Luminary membership to access Luminary’s global professional education and networking platform. Offer expires on 11/30/2027.
Common questions about the Spark Cash
Does the Spark Cash have an annual fee?
The Spark Cash carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Spark Cash?
Dining is the strongest Madeen category for the Spark Cash at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Spark Cash charge foreign transaction fees?
The Spark Cash does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Spark Cash welcome bonus?
The Spark Cash welcome offer in our snapshot: Earn a $1,000 cash bonus when you spend $10,000 in the first 3 months.. Minimum spend, eligibility, and offer windows are set by the issuer and can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Is the Spark Cash annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Spark Cash?
Madeen's catalog lists a typical credit range of Excellent for the Spark Cash. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Spark Cash compare to similar cards?
Compare the Spark Cash against Pottery Barn Key Rewards Visa (4% on Dining, $0 fee); SavorOne Dining Rewards (4% on Dining, $95 fee); The Key Rewards Visa (4% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Spark Cash This card | Dining | 2% | $95 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $95 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $0 |
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