Capital One Spark Cash Plus
A $150-a-year business card from Capital One.
Rates, fees, and full terms are set by Capital One and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Is this card right for you?
people who want a simple, flat rate on every purchase with nothing to track.
you will not use enough of its perks and credits to cover the $150 annual fee.
Earning rates
Best ways to earn & redeem
Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.
When you cash in, pool the rewards into the issuer transferable points when you also hold an eligible card, then move them to travel partners. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Features & benefits
Transfer partners
On its own this card earns Miles worth about 1 cent each. Pool it with a Capital One transfer card such as the Venture X, though, and the points unlock the same airline and hotel transfers, where major partners include:
Airline partners
Air Canada Aeroplan, Turkish Miles & Smiles, Avianca LifeMiles, Flying Blue (Air France/KLM), Singapore Airlines, British Airways
To see what a specific flight award actually costs, look up live mileage prices and seat availability on seats.aero.
Hotel partners
You can check the live points price for a specific stay on rooms.aero.
See the full Capital One ecosystem, card lineup, and live transfer bonuses →
Alternatives to the Capital One Spark Cash Plus
Pairs well with
The Capital One Spark Cash Plus earns Miles but cannot transfer on its own. Pair it with a Capital One transfer hub to unlock airline and hotel transfers.
Learn more
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Capital One Spark Cash Plus lands.
Calculate My Card