Capital One Spark 2% Cash
- Annual Fee
- $95
- cash back · Welcome Bonus
- $1,000
- Highest rate (conditional)
- Up to 5% (Car Rentals Capital One)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $95
- Foreign Transaction Fee
- $0
- Network
- Mastercard World Elite
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Fair to Excellent
Welcome Offer
Bonus: $1,000 cash back
Spend: $10,000
Period: 3 months
Earning Rates
- 5%
Car Rentals Capital One
Earn unlimited 5% cash back on rental cars booked through Capital One Travel
- 5%
Hotels Capital One
Earn unlimited 5% cash back on hotels booked through Capital One Travel
- 2%
All Other
Unlimited 2% cash back on all business purchases
Benefits & Perks
Insurance & Protections
1 protectionsExtended Warranty
secondary
Get free additional warranty and protection on eligible items that you purchase with your card.
Reviews & Analysis
Third-Party Rankings & Ratings
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #18 of 119 |
Pros and Cons
Pros
- +No annual fee first year
- +Unlimited 2% cash back on all business purchases (very easy to use)
- +$1,000 welcome bonus after $10,000 in purchases within 3 months
- +No foreign transaction fee
- +Cash back deposits directly to business account
- +Easy to manage - no categories to track
Cons
- -$95 annual fee after first year (fee breakeven requires $4,750+ annual spend)
- -2% is lower than some premium business cards
- -No business-specific benefits (office supplies bonus, shipping, etc.)
- -Limited to business applicants
- -No premium perks or travel benefits
Who It's Best For
Best For
- Small business owners and entrepreneurs seeking straightforward cash back
- Those wanting unlimited 2% without category complexity
- Business owners with strong spending ($5K+/month)
- Companies seeking to recover the annual fee through rewards
Not Ideal For
- Very low-spending businesses (fee not recoverable)
- Those seeking category bonuses (e.g., 5% gas, 3% restaurants)
- Businesses unwilling to pay $95 annual fee after first year
- Those prioritizing premium business travel benefits
The Math: Is $95 Worth It?
First-year value includes $1,000 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$95
Net Annual Value
-$95
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Cap One 1/6 | You won’t be approved for a second Capital One card if you’ve opened one in the past six months |
Payment Terms
| Purchase APR | 24.74% (Variable) |
| Cash Advance APR | 30.74% (Variable) |
| Foreign Transaction Fee | $0 |
Card Family
Capital One Spark Cash family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Capital One Spark Cash Select | mid | — |
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Capital One | — | Capital One |
| Capital One | — | Capital One |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Apr | |
| Capital One | Capital One |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.