Capital One Spark Cash Plus Benefits & Credits (2026)
Capital One Spark Cash Plus gives you $200 in annual credits and perks for a $150 fee. Here's every benefit and how to use it.
$200
Annual value
$150
Annual fee
1.3x
Value vs fee
✅ Worth it if you use the credits. The $200 in benefits comfortably beats the $150 fee — a 1.3x return.
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Every Capital One Spark Cash Plus benefit
$200 Annual Cash Bonus
$200$200 cash bonus each anniversary year when your business spends $200,000 or more in the prior calendar year — rewards high-volume spending businesses.
How to use: Use your Capital One Spark Cash Plus as your primary business card. If you spend $200k+, the $200 bonus posts automatically on your anniversary.
Purchase Protection
New business purchases covered against damage or theft for 90 days — up to $10,000 per claim.
How to use: Pay for eligible business purchases with your Spark Cash Plus. File claims through the Benefit Administrator.