Spark Cash Plus
The Spark Cash Plus from Capital One earns up to 2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $150. New applicants may see: Earn a $2,000 cash bonus when you spend $30,000 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
- $150
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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 Plus 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 Plus?
The Spark Cash Plus 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 Plus 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
- $150 annual fee requires enough spend in bonus categories to offset.
- Business card — rewards and liability rules differ from consumer cards.
Does the Spark Cash Plus have an annual fee, and what's the welcome bonus?
The Spark Cash Plus has an annual fee of $150 and a foreign transaction fee of None. New applicants may see: Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months.. Confirm current issuer terms before applying.
- Annual fee
- $150
- Foreign transaction fee
- None
- Signup bonus
- Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months.
What benefits come with the Spark Cash Plus?
The Spark Cash Plus includes Annual Fee Refund, Auto Rental Collision Damage Waiver, Booking.com 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.
- Annual Fee Refund
Get your $150 annual fee refunded every year you spend at least $150,000.
- Auto Rental Collision Damage WaiverIncluded with Visa Signature®
Auto Rental Collision Damage Waiver (ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.
- Booking.comIncluded with Visa Signature®
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Extended Warranty
Get free additional warranty and protection on eligible items that you purchase with your card.
- Golf Benefits from Troon Rewards®Included with Visa Signature®
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
- Lost Luggage ReimbursementIncluded with Visa Signature®
Lost Luggage Reimbursement will reimburse you up to $3,000 If your checked luggage or carry on baggage is lost due to theft or misdirection by the common carrier (e.g., airline, rail, bus, ferry). For New York residents coverage is limited to $2,000 per bag.
- OpenTableIncluded with Visa Signature®
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
- Purchase Security and Extended ProtectionIncluded with Visa Signature®
Purchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
What annual spend bonuses does the Spark Cash Plus offer?
- Earn an annual $200 cash bonus every year you spend $200,000 or more–that's enough to cover your annual fee and then some
Common questions about the Spark Cash Plus
Does the Spark Cash Plus have an annual fee?
The Spark Cash Plus carries an annual fee of $150 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 Plus?
Dining is the strongest Madeen category for the Spark Cash Plus 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 Plus charge foreign transaction fees?
The Spark Cash Plus 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 Plus welcome bonus?
The Spark Cash Plus welcome offer in our snapshot: Earn a $2,000 cash bonus when you spend $30,000 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 Plus annual fee worth it?
Whether the $150 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 Plus?
Madeen's catalog lists a typical credit range of Excellent for the Spark Cash Plus. 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 Plus compare to similar cards?
Compare the Spark Cash Plus 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 Plus This card | Dining | 2% | $150 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $95 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $0 |
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