Capital One Spark Cash Plus Review – Unlimited 2% Cash Back

The Capital One Spark Cash Plus credit card is designed to provide users with maximum cash back rewards and benefits. Cardholders can earn an unlimited 2% cash back on all purchases, which can be redeemed for statement credits or deposited directly into a user’s bank account. Additionally, the card provides access to exclusive offers, discounts, and travel protection services. This article will review the features of the Capital One Spark Cash Plus Credit Card in detail, providing an overview of its advantages and drawbacks.

The first section of this article will discuss how users can benefit from using the Capital One Spark Cash Plus credit card. It will explain what types of purchases are eligible for earning unlimited 2% cash back rewards and whether there is any limit to those rewards points. Furthermore, it will examine additional perks that come with being a cardholder such as special discounts, travel protection services and more.

Finally, this article will evaluate whether the overall value associated with owning a Capital One Spark Cash Plus credit card outweighs potential costs related to annual fees or foreign transaction charges. Ultimately, by considering both positives and negatives of having this type of credit card, readers should be able to decide if it is right for them.


Overview Of Card Benefits

The Capital One Spark Cash Plus card offers customers several benefits. To begin with, the card has an unlimited 2% cash back on all purchases made with the card. The cash back rewards are deposited into a customer’s account in the form of statement credits or as a check sent to their address. Furthermore, there is no annual fee associated with this card and it also includes an introductory 0% APR for 15 months from account opening on both balance transfers and new purchases. Additionally, customers can receive a one-time $200 bonus when they spend at least $2,000 within 3 months of account opening. Lastly, the card does not charge foreign transaction fees which makes it ideal for international travel.

In addition to these features, customers have access to exclusive discounts and promotions through various merchants when using the card. They are also eligible for complimentary concierge services such as 24/7 customer service support as well as identity theft protection services that provide assistance if their personal information falls into wrong hands


Eligibility Requirements

The Capital One Spark Cash Plus credit card offers a range of benefits to its users. It is important to note, however, that these benefits come with eligibility requirements which must be met in order for applicants to qualify for the card. To start, applicants must meet age and residency qualifications; they must be at least 18 years old and U.S. residents or have a valid U.S. military address in order to be approved for the card. Additionally, applicants will need to provide proof of their identity as well as their income when applying for this card in order to gain approval from Capital One.

Furthermore, those who are considering applying should keep in mind that most banks require individuals to possess good-to-excellent credit scores (670+) in order receive favorable terms on any type of loan or line of credit product – including the Capital One Spark Cash Plus Card. This requirement could prevent some people from being eligible for the card if they do not have adequate credit history or an appropriate score.


Fees And Interest Rates

The Capital One Spark Cash Plus card has no annual fee and a variable APR of 16.24% to 25.24%. Balance transfers also have no fees, as long as they are completed within the first 60 days after opening an account. In addition, there is no foreign transaction fee for purchases made outside the United States. Cardholders can access online banking and mobile apps that allow them to manage their accounts with ease. Cash advances have a 26.99% variable APR, along with a 4% or $10 minimum cash advance fee, whichever is greater. Late payments incur up to $39 in penalty fees and returned payment fees range from $25-$38 depending on the balance amount at time of return. There is also an over-the-credit limit fee of up to $37 for balances exceeding credit limits set by Capital One.


Rewards Program Structure

The Capital One Spark Cash Plus card offers an unlimited 2% cash back rewards program. With this program, customers can earn two percent cash back on all purchases with no annual fee or limit to the amount of rewards earned. The cashback rewards are automatically credited to the customer’s account within one to two billing cycles after each purchase is made. Additionally, there are bonuses available for new accounts and special promotions throughout the year that offer additional cash back earnings opportunities.

This type of reward structure makes it easy for customers to reap significant benefits from their spending without having to track multiple points or tiers associated with other programs. Furthermore, customers receive a welcome bonus when they sign up as well as ongoing discounts and promotional offers which further add value to their overall experience.


Redemption Options

The Capital One Spark Cash Plus card offers a range of redemption options for its cash back rewards.

These include:

  • Redeeming points towards purchases at, Best Buy and other online stores in the form of statement credits or gift cards;
  • Applying them to existing credit card balances;
  • Transferring them to select travel loyalty programs such as Marriott Bonvoy™, Choice Privileges® and Wyndham Rewards®.

Additionally, members can also redeem their rewards for checks sent by mail or direct deposit into a bank account with no minimum required amount. The value of each point is equal to one cent when redeemed this way. Furthermore, there are no expiration dates on any accrued reward points—they remain available until they have been used up or canceled.


Pros And Cons

The Capital One Spark Cash Plus Credit Card offers a generous 2% cash back on all eligible purchases. This makes it an attractive option for those who want to maximize their rewards and avoid interest charges. It also provides additional benefits such as travel protection, no foreign transaction fees, car rental insurance, and extended warranty coverage.

On the downside, there is a $95 annual fee that may be too expensive for some people. There are also other cards with similar features that offer higher rewards or better sign-up bonuses. Additionally, users must redeem their rewards in increments of at least $25 and they can only use them towards statement credits. Lastly, late payments will incur a penalty APR which could make this card more costly than expected.

Overall, the Capital One Spark Cash Plus Credit Card is an excellent choice for individuals who want to earn unlimited 2% cash back without having to worry about category restrictions or earning limits. However, potential customers should take into consideration any applicable fees before applying for this card.



The Capital One Spark Cash Plus card offers a variety of benefits to users, including an unlimited 2% cash back rewards program, no annual fee and competitive interest rates. Eligibility requirements are straightforward and the redemption options offer great flexibility for all types of consumers.

In terms of rewards structure, this card provides an excellent value proposition compared to other cards offering similar features. The unlimited 2% cash back rate is one of the highest in the market and can easily add up over time with regular use. Additionally, redemptions are simple and easy to do without any additional fees or penalties.

Overall, this card appears to be a good choice for those looking for generous earnings on everyday purchases as well as flexibility when redeeming their rewards. With its combination of attractive features and competitive pricing, it is worth considering if you want access to higher earning potential from your credit card spending.

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