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Capital One Spark Cash Plus

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Learn How to Apply

Annual fee: annual_fees

Advertiser Disclosure: The Rewards Mom may receive a commission from card issuers. Some or all of the card offers that appear on The Rewards Mom are from advertisers and may impact how and where card products appear on the site. The Rewards Mom does not include all card companies or all available card offers.

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My Take

This is a great option for a low annual fee card with a high earning rate for everything you spend. You get a flat 2% cash back on everything, which makes it easy to rack up rewards without juggling categories. If you have big expenses coming up (remodels, braces, inventory), this is one of the cards I always recommend.

Did you know there’s no minimum size for a business? You can often qualify with something as small as selling on Facebook Marketplace or a simple side hustle. Learn more here.

Why Families Love It

  • 2% cash back on all purchases: Straightforward earning with no categories to manage.
  • Big intro bonus potential: Great for large family or business expenses you’re already planning.
  • No foreign transaction fees: Helpful if your family travels internationally.
  • Pairs well with Venture/Venture X: Strategy-friendly if you also collect miles.
  • Easy entry for side hustles: Etsy, FB Marketplace, or local services often qualify.
Tip: If you also hold a miles-earning card like this one or this one, you can combine cash-back simplicity with flexible travel redemptions for bigger family trips. And if you’re wondering about some of my favorite ways to use Capital One points, you’ll love this article .

Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities.