Credit Card

Capital One Spark Cash Plus Bonus — Up to $2,000

Bonus Tiers

Deposit	Bonus
$30,000 spend	$2,000
$500,000 spend (in first year, repeatable)	$2,000 per tier

Qualifying Period

3 months for initial bonus; first year for additional bonuses

Requirements

✓Spend $30,000 in the first 3 months for the $2,000 welcome bonus
✓Spend $500,000 in the first year to earn an additional $2,000 (repeatable)
✓Spend $30,000 in first 3 months for $2,000 welcome bonus
✓Additional $2,000 bonus for every $500,000 spent in first year
✓$30,000 in purchases within first 3 months
✓Spend $30,000 in first 3 months
✓Plus additional $2,000 for every $500,000 spent in first year (no limit)
✓Spend $30,000 in the first 3 months for $2,000 welcome bonus
✓Spend $500,000 in the first year for additional $2,000 bonus (repeatable, no limit)
✓Spend $30,000 in the first 3 months to earn $2,000 welcome bonus
✓Earn additional $2,000 for every $500,000 spent in the first year
✓Spend $500,000 in the first year to earn each additional $2,000 bonus (unlimited per year)
✓$30,000 spending in first 3 months for initial $2,000 bonus
✓$500,000 spending in first year for each additional $2,000 bonus
✓$30,000 spending in first 3 months for welcome bonus
✓Earn additional $2,000 for every $500,000 spent in first year
✓Spend $30,000 in the first 3 months (for primary $2,000 bonus)
✓Spend $500,000 in the first year (for each additional $2,000 bonus)
✓Spend $30,000 in first 3 months to earn initial $2,000 bonus
✓Earn additional $2,000 for every $500,000 spent during first year
✓$30,000 in purchases within first 3 months for initial $2,000 bonus
✓$500,000 in purchases for each additional $2,000 bonus (within first year)
✓Account must be open and in good standing at redemption
✓Spend $500,000 in first year for additional $2,000 bonuses
✓$30,000 spend in first 3 months for initial $2,000 bonus
✓$500,000 spend in first year for additional $2,000 bonus (repeatable)
✓$500,000 additional spend in first year for additional $2,000 per tier
✓Spend at least $30,000 in the first 3 months from account opening
✓Earn an additional $2,000 bonus for every $500,000 spent in the first year

Restrictions

⚠New customers only — not available for existing or previous Capital One Business card holders
⚠New customers only — not available to existing or previous Capital One Business card holders
⚠New customers only
⚠Not available to existing or previous Capital One Business card holders
⚠Offer available only when starting application from Capital One's website; may not be available if you navigate away or close the page
⚠Not available for existing or previous Capital One Business card holders
⚠Bonuses only available by starting application from official Capital One page
⚠Bonuses only available by clicking 'Apply Now' on the offer page
⚠New customers only — may not be available for existing or previous Capital One Business card holders
⚠Bonuses available only by clicking Apply Now button on Capital One's official page
⚠Bonuses available only when applying via Apply Now button on the issuer page
⚠Account must be open and in good standing at time of rewards redemption
⚠New business customers only
⚠Bonuses may not be available if you navigate away from or close the page before applying
⚠Must be a business applicant
⚠Bonuses available by clicking 'Apply Now' button on the offer page
⚠Bonuses may not be available if you navigate away from or close the application page
⚠Bonuses available only by clicking 'Apply Now' on the offer page
⚠Business account required
⚠Bonus may not be available if you navigate away from or close the application page

Fees

$150 annual fee (refundable with $150,000+ annual spend)
$150 annual fee (refunded if you spend at least $150,000 per year)
$150 annual fee (refunded if you spend $150,000+ annually)
$150 annual fee (refunded annually if $150,000+ spent)
$150 annual fee (refundable when spending $150,000+ annually)
$150 annual fee (refunded each year when spending reaches $150,000)
$150 annual fee (refunded if you spend $150,000 annually)
$150 annual fee (refundable if $150,000+ spent annually)
$150 annual fee (refunded annually if $150,000+ in net purchases by membership anniversary date)
$150 annual fee (refunded when you spend at least $150,000 in net purchases by membership anniversary date)
$150 annual fee (refunded annually if spending reaches $150,000)
$150 annual fee (refunded if business spends $150,000+ annually)
$150 annual fee (refundable if you spend at least $150,000 annually)
$150 annual fee (refundable if spending reaches $150,000 in a calendar year)
$150 annual fee
Annual fee waived if you spend at least $150,000 in net purchases by your membership anniversary date
2.99% late payment fee on outstanding statement balance if balance not paid in full

Card must be open and in good standing at time of rewards redemption
Cash rewards do not expire for the life of the account
Account must remain open or rewards may be forfeited
No preset spending limit; adapts based on spending behavior and credit profile
Charge card designed to be paid in full each month
Account must be open and in good standing at time of rewards redemption
2.99% late fee applies to minimum payments missed
No preset spending limit; varies based on spending behavior and credit profile
Designed as charge card requiring full payment monthly; pay-over-time option available up to set limit as of May 2026
Rewards do not expire while account remains open
Additional $2,000 bonus for every $500,000 spent during the first year (unlimited)
Cash rewards do not expire as long as account remains open
This is a charge card requiring full balance payment each month
Card account must be open and in good standing at time of rewards redemption
Bonuses available only by clicking Apply Now button on the page
Spend bonuses may be earned independently
Rewards never expire as long as account remains open
Both bonuses may be earned independently
Account must be open and in good standing at time of bonus redemption
Spend bonuses may be earned independently — you can earn the welcome bonus and the annual spending bonuses separately
Capital One pulls all 3 credit bureaus
Spark Cash Plus does not report business card balances to personal credit bureaus
Card is a charge card — balance must be paid in full each billing cycle (2.99% late fee if not paid in full)
Additional $2,000 bonuses can be earned unlimited times during first year
Charge card that must be paid in full each statement cycle (with limited pay-over-time option introduced May 2026)
No preset spending limit; limit varies based on spending behavior, payment history, and credit profile
This is a charge card requiring full monthly balance payment
Pay-over-time option introduced May 2026 allows limited balance carry-over
Bonuses may be earned independently; both can be earned in same year
Business charge card (not traditional credit card) - balance must be paid in full each month
Balance must be paid in full each month (charge card, not traditional credit card)
2.99% late fee applies if minimum payment not made by due date
Spend bonuses can be earned independently (you may earn one or both)
Bonus is only available when clicking 'Apply Now' on the official offer page; may not be available if you navigate away or close the page
The two spend bonuses can be earned independently
Cash rewards do not expire for the life of the account, but rewards are forfeited if account is closed before redemption
Balance must be paid in full every month (charge card, no APR)
Late fee of 2.99% on outstanding statement balance if not paid in full
This is a charge card requiring full monthly balance payment with no APR
No preset spending limit; adapts based on spending behavior, payment history, and credit profile
Cash rewards do not expire for the life of the account, but rewards are forfeited if account is closed
Account closure may forfeit unredeemed rewards
Spend bonuses may be earned independently (both can be earned)
Late payment fee: 2.99% of unpaid portion of minimum payment
No APR because balance must be paid in full each month
No preset spending limit
Cash back rewards do not expire as long as the account remains open
If account is closed, unredeemed rewards may be lost
Balance must be paid in full each statement cycle (charge card, no APR)
No preset spending limit; amount can change based on spending behavior, payment history, and credit profile
Additional $2,000 bonuses can be earned multiple times during the first year
These spend bonuses may be earned independently, meaning you may earn one or both

Sign-Up Bonus

$2,000

View Promo Terms →

Last updated July 3, 2026

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Discussion

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How to evaluate Capital One Spark Cash Plus Bonus

Before applying, compare the welcome bonus against the annual fee, minimum spend, rewards currency, and issuer eligibility rules for repeat cardholders.

More credit card bonuses →All Capital One offers →No annual fee card bonuses →Compare Amex and Chase bonuses →

Qualification checklist

Timing

Qualifying period: 3 months for initial bonus; first year for additional bonuses

How to qualify

Spend $30,000 in the first 3 months for the $2,000 welcome bonus
Spend $500,000 in the first year to earn an additional $2,000 (repeatable)
Spend $30,000 in first 3 months for $2,000 welcome bonus
Additional $2,000 bonus for every $500,000 spent in first year

Common pitfalls

New customers only — not available for existing or previous Capital One Business card holders
New customers only — not available to existing or previous Capital One Business card holders
New customers only
Not available to existing or previous Capital One Business card holders

What makes this offer different

What makes this credit card offer different

This credit card offer should be judged by net value after annual fees and required spend, not just the welcome-bonus headline.

Bonus value versus similar offers

The sign-up bonus is close to the current nearby $2,000 median for comparable offers in this category.

Requirement clarity

Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.

Frequently Asked Questions

How long do I have to qualify for Capital One Spark Cash Plus Bonus?

The qualifying period listed for Capital One Spark Cash Plus Bonus is 3 months for initial bonus; first year for additional bonuses.

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Deposit

Bonus

$30,000 spend

$2,000

$500,000 spend (in first year, repeatable)

$2,000 per tier

Requirements

✓Spend $30,000 in the first 3 months for the $2,000 welcome bonus

✓Spend $500,000 in the first year to earn an additional $2,000 (repeatable)

✓Spend $30,000 in first 3 months for $2,000 welcome bonus

✓Additional $2,000 bonus for every $500,000 spent in first year

✓$30,000 in purchases within first 3 months

✓Spend $30,000 in first 3 months

✓Plus additional $2,000 for every $500,000 spent in first year (no limit)

✓Spend $30,000 in the first 3 months for $2,000 welcome bonus

✓Spend $500,000 in the first year for additional $2,000 bonus (repeatable, no limit)

✓Spend $30,000 in the first 3 months to earn $2,000 welcome bonus

✓Earn additional $2,000 for every $500,000 spent in the first year

✓Spend $500,000 in the first year to earn each additional $2,000 bonus (unlimited per year)

✓$30,000 spending in first 3 months for initial $2,000 bonus

✓$500,000 spending in first year for each additional $2,000 bonus

✓$30,000 spending in first 3 months for welcome bonus

✓Earn additional $2,000 for every $500,000 spent in first year

✓Spend $30,000 in the first 3 months (for primary $2,000 bonus)

✓Spend $500,000 in the first year (for each additional $2,000 bonus)

✓Spend $30,000 in first 3 months to earn initial $2,000 bonus

✓Earn additional $2,000 for every $500,000 spent during first year

✓$30,000 in purchases within first 3 months for initial $2,000 bonus

✓$500,000 in purchases for each additional $2,000 bonus (within first year)

✓Account must be open and in good standing at redemption

✓Spend $500,000 in first year for additional $2,000 bonuses

✓$30,000 spend in first 3 months for initial $2,000 bonus

✓$500,000 spend in first year for additional $2,000 bonus (repeatable)

✓$500,000 additional spend in first year for additional $2,000 per tier

✓Spend at least $30,000 in the first 3 months from account opening

✓Earn an additional $2,000 bonus for every $500,000 spent in the first year

Restrictions

⚠New customers only — not available for existing or previous Capital One Business card holders

⚠New customers only — not available to existing or previous Capital One Business card holders

⚠New customers only

⚠Not available to existing or previous Capital One Business card holders

⚠Offer available only when starting application from Capital One's website; may not be available if you navigate away or close the page

⚠Not available for existing or previous Capital One Business card holders

⚠Bonuses only available by starting application from official Capital One page

⚠Bonuses only available by clicking 'Apply Now' on the offer page

⚠New customers only — may not be available for existing or previous Capital One Business card holders

⚠Bonuses available only by clicking Apply Now button on Capital One's official page

⚠Bonuses available only when applying via Apply Now button on the issuer page

⚠Account must be open and in good standing at time of rewards redemption

⚠New business customers only

⚠Bonuses may not be available if you navigate away from or close the page before applying

⚠Must be a business applicant

⚠Bonuses available by clicking 'Apply Now' button on the offer page

⚠Bonuses may not be available if you navigate away from or close the application page

⚠Bonuses available only by clicking 'Apply Now' on the offer page

⚠Business account required

⚠Bonus may not be available if you navigate away from or close the application page

Fees

$150 annual fee (refundable with $150,000+ annual spend)

$150 annual fee (refunded if you spend at least $150,000 per year)

$150 annual fee (refunded if you spend $150,000+ annually)

$150 annual fee (refunded annually if $150,000+ spent)

$150 annual fee (refundable when spending $150,000+ annually)

$150 annual fee (refunded each year when spending reaches $150,000)

$150 annual fee (refunded if you spend $150,000 annually)

$150 annual fee (refundable if $150,000+ spent annually)

$150 annual fee (refunded annually if $150,000+ in net purchases by membership anniversary date)

$150 annual fee (refunded when you spend at least $150,000 in net purchases by membership anniversary date)

$150 annual fee (refunded annually if spending reaches $150,000)

$150 annual fee (refunded if business spends $150,000+ annually)

$150 annual fee (refundable if you spend at least $150,000 annually)

$150 annual fee (refundable if spending reaches $150,000 in a calendar year)

$150 annual fee

Annual fee waived if you spend at least $150,000 in net purchases by your membership anniversary date

2.99% late payment fee on outstanding statement balance if balance not paid in full