Capital One Spark Cash Review: Simple, Generous Rewards

This card is no longer accepting applications. Existing cardholders can earn 2% cash back on all purchases, with no limit and no special categories to keep track of.

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Our Take

5.0

NerdWallet rating 
The bottom line:

This card has effectively been replaced by the Capital One Spark Cash Plus, which keeps the same 2% reward rate but increases the annual fee.

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Capital One Spark Cash Credit Card
Capital One Spark Cash for Business
Annual fee
$0 intro for the first year, then $95
Regular APR
20.99% Variable APR
Intro APR
N/A
Rec. credit score
690-850 (Good - Excellent)

Methodology

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.

Frequently asked questions
What are the rewards on the Capital One Spark Cash card?

The Capital One Spark Cash for Business earns an unlimited 2% cash back on all purchases.

What is the annual fee on the Capital One Spark Cash?

The Capital One Spark Cash for Business has an annual fee of $0 intro for the first year, then $95. For the fee-averse, a similar card, the Capital One Spark Cash Select - $500 Cash Bonus, offers 1.5% cash back for a $0 annual fee.

Does the Capital One Spark Cash come with a sign-up bonus?

Yes, a generous one. Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.

What's the difference between Spark Cash and the Spark Cash Select?

The Capital One Spark Cash Select - $500 Cash Bonus has a $0 annual fee but pays a lower rewards rate. See our comparison article.

What kind of business do I need to get the Capital One Spark Cash?

You don’t need an LLC, corporation or other formal business structure to apply for the Capital One Spark Cash for Business. Sole proprietors such as freelancers, contractors and those with side-hustles can also apply for a small-business credit card. Issuers will consider your personal credit information, income and other factors when evaluating your application.