Capital One Spark Cash by Capital One: 5% hotels via portal, 5% rental cars via portal, 2% everything else. $95 annual fee. Rates and credits verified…
The Capital One Spark Cash is Capital One's mid-tier credit card. The $95/yr annual fee includes a $1,000 cash welcome bonus after spending $10,000 in the first 3 months. Beyond the welcome bonus, here's what the card actually delivers.
Welcome bonus value (year one): ~$1000. Annual statement credits: $0. Minus the $95 annual fee = ~$905 in year-one net value before any spending earn. RewardsGuru rating: 4.4/5 — based on our net-value methodology.
Best fit: small-business owners who can run business expenses through one card and want the welcome bonus + category multipliers. Skip if: you don't have separate business spend or you'd struggle to hit the welcome-bonus spending requirement.
$1,000 cash back after spending $10,000 in the first 3 months.
Year-one math: welcome bonus value (~$1000) + annual credits ($0) − $95 fee = ~$905 net before spending earn. Year-two onward, the credits alone need to clear $95 — they do not. Worth it if you'll use the credits, skip if you'd let them expire.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. Capital One's product page has the current rate.