Spark Cash
Issued by Capital One
Rates verified August 2026
Welcome Bonus
Earn a $1,000 cash bonus when you spend $10,000 in the first 3 months.
Rewards Rate
2% cash back · up to 5% on Car Rentals (Capital One)
Annual Fee
$95
Recommended Credit Score
excellent
You'll be taken to the issuer's secure application
Rewards Program
2% cash back · up to 5% on Car Rentals (Capital One)
Welcome Offer
Earn a $1,000 cash bonus when you spend $10,000 in the first 3 months.
Annual Fee
$95 (waived first year)
APR
Variable APR based on creditworthiness
Foreign Transaction Fee
None
Recommended For
Car Rentals (Capital One), Hotels (Capital One)
Why We Recommend This Card
5.0% on Car Rentals (Capital One)
5.0% on Hotels (Capital One)
Earn a $1,000 cash bonus when you spend $10,000 in the first 3 months.
$95 annual fee — weigh against bonus categories and perks
Extended Warranty
Get free additional warranty and protection on eligible items that you purchase with your card.
Network benefits (Mastercard) — 15 standard protections
Car Rental Insurance
Reimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.
Global emergency services
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Instacart Business
Fuel your business with same-day delivery of snacks, supplies and more. Enjoy $0 delivery fees* with three free months of Instacart+ and $20 off your second order each month. Offer
Intuit® QuickBooks® Online and QuickBooks Online Payroll
Save 30% on QuickBooks Online, QuickBooks Solopreneur or QuickBooks Online Payroll for 12 months.
Intuit® TurboTax®
Save 20% on the TurboTax solution that best fits your small business needs and can help get your best possible tax outcome.
Luminary
Save 30% on an annual or monthly Luminary membership to access Luminary’s global professional education and networking platform. Offer
Mastercard Golf
Impress clients and employees alike with exclusive PGA TOUR® experiences and access to other amazing golf benefits.
Mastercard ID Theft Protection
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Transit Benefit
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Melio
Paying your business bills has never been simpler — or more rewarding. Get up to $100 in fee credits when you pay with Melio. Offer
Microsoft Advertising
Grow your business and attract more customers with $300 in advertising credit after spending only $150 with Microsoft Advertising. Offer
Priceless Experiences®
Share with your clients both in-person and digital experiences in dining, sports, entertainment and more in over 45 exciting destinations around the globe exclusively for Mastercard cardholders. Visit priceless.com.
Protection wherever you shop
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Roadside Assistance
Our business cards offer services to help you during auto-related emergencies, such as jump-starting, tire changing and towing.
Direct to the Issuer
The Apply button takes you to Capital One's own application
Verify Current Terms
Confirm rates, fees, and the welcome offer on the issuer's page before applying
No Data Shared
We never see or handle your application information