Capital One Spark Cash Plus cashback rate, cap and annual fee
Capital One Spark Cash Plus pays 5% at via Capital One Business Travel and 2% on everything else. The card costs USD 150 a year.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
Capital One · United States · catalogue v103
Read from Capital One's own published terms on 15 Oct 2026.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| via Capital One Business Traveltravel | 5.00% | —5% on hotels, vacation rentals and rental cars booked through Capital One Business Travel. |
| everything else | 2.00% | —2% on every purchase, no limits or category restrictions. |
Questions people ask
What cashback does the Capital One Spark Cash Plus pay?
5% at via Capital One Business Travel and 2% on everything else.
Is there a cap on the Capital One Spark Cash Plus?
No monthly cap is published on the rates shown here.
What is the annual fee on the Capital One Spark Cash Plus?
USD 150 a year.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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