Fine Print Bureau
Capital One Spark Cash Plus
Verified 2026-08-30 against Capital One's own terms page.
What it costs
- Annual fee: $150
- APR range: not verified
- Foreign transaction fee: None
What you get, and what you have to do to get it
- $0 Fraud Liability (other)
- $500 Travel Credit (one time)
- 5% Cash Back on Hotels, Vacation Rentals and Rental Cars (other)
- Capital One Business Travel Access (other)
Only benefits whose terms have cleared review are listed — a benefit the issuer advertises but that has not been verified here is omitted rather than repeated. Per-benefit values are not shown because the underlying field mixes dollars, miles, points and insurance limits without recording which. The dollar question is answered below.
What the fee costs you regardless of use
The $150 annual fee is charged whether or not you use any of the benefits above. Against it, our Fee Reality model estimates $0 of credit value actually realized by a typical cardholder, out of $0 of advertised face value.
Modeled, confidence grade C — not a measurement of your own redemptions. See the Fee Reality Check for the credit-by-credit breakdown.
Date verified and source
Verified 2026-08-30 directly against the issuer's published terms: https://www.capitalone.com/small-business/credit-cards/spark-cash-plus/
Every figure above traces to a source-evidence row reviewed against the issuer's own terms page — not an aggregator. See the Fine Print Bureau methodology.