Capital One Spark Cash
Capital One · MASTERCARD
The Capital One Spark Cash is a credit card from Capital One on the Mastercard network. It has an annual fee of $0. It earns 2% on everything else. The welcome offer is Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
Key facts
- Annual fee
- $0
- Foreign transaction fee
- None
- Credit needed
- Excellent
- Network
- MASTERCARD
- Welcome offer
- Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Everything else | 2% | For businesses that want to earn 2% cash back on all purchases with the familiarity of a traditional credit line |
Benefits and perks
- Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening
- For businesses that want to earn 2% cash back on all purchases with the familiarity of a traditional credit line
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
- $0 annual fee for the first year; $95 after that
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
- Top rated mobile app
Rates and fees
Annual membership fee: $0. Foreign transaction fee: None.
Rates and fees as published by the issuer and recorded on 1 Oct 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the Capital One Spark Cash
What is the annual fee on the Capital One Spark Cash?
The Capital One Spark Cash has an annual fee of $0.
What rewards does the Capital One Spark Cash earn?
The Capital One Spark Cash earns 2% on everything else.
What credit score do you need for the Capital One Spark Cash?
The Capital One Spark Cash is generally listed for applicants with excellent credit. Approval also depends on income and the issuer's own criteria.
Is the Capital One Spark Cash worth it?
The Capital One Spark Cash is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
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