Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 2x on other travel (catalog median is 1.75x)
- The $150 annual fee needs strong category spending to clear
Is the $150 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$330/yr
$480 rewards - $150 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$370/yr
$520 rewards - $150 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$410/yr
$560 rewards - $150 fee
Rewards by Category
Dining
2x
Grocery
2x
Gas
2x
Flights
2x
Hotels
2x
Other Travel
2x
Online Shopping
2x
Rideshare
2x
Streaming
2x
Amazon
2x
Costco
2x
Other
2x
Apple
2x
Cell Phone
2x
Fast Food
2x
Home Utilities
2x
Internet
2x
Walmart
2x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
Unlimited 2% cash back on all purchases. $150 annual fee. Annual cash bonus of $200 when you spend $200k+.
Capital One Spark Cash Plus FAQ
What is the Capital One Spark Cash Plus annual fee?
The Capital One Spark Cash Plus has a $150 annual fee.
What is the Capital One Spark Cash Plus signup bonus?
50,000 dollars for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the Capital One Spark Cash Plus?
2x on flights, 2x on hotels, 2x on other travel. Everything else earns 2x.
Is the Capital One Spark Cash Plus worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $330/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
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Is Capital One Spark Cash Plus Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
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