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Capital One Spark Cash Plus

Capital One Spark Cash Plus

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A solid choice for earning rewards with simplicity and flexibility, especially for large expenses.

... but can you apply for a business credit card if it's just a side hustle?

Many people don’t realize that even a small side hustle can qualify for a business credit card. Whether you're selling items on Etsy, freelancing, or running a part-time gig, you might be eligible- Learn more.

$2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year

Learn how to apply

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Annual fee: $150

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

Why People Love This Card

The Capital One Spark Cash Plus is a great option for simple, flexible rewards. Here’s why it stands out:

  • High Earning Potential: Earn unlimited 2% cash back on every purchase—no categories or limits.
  • Flexible Redemption Options: Use points to erase travel purchases, redeem for cash back, or transfer to Capital One’s airline partners. While I’m not a huge fan of their hotel transfer partners, their airline options are excellent.
  • No Foreign Transaction Fees: Great for international purchases, saving you money while traveling.

Why I Recommend This Card

This card stands out because of its high earning rate and flexibility with transferable points. If you’re looking to keep things simple, you can use your rewards to erase travel purchases. For more value, consider transferring points to airline partners for award flights—this is where Capital One really shines.

Important: To use these points as transferable rewards, you’ll need to pair this card with one that allows transfers, like the Capital One Venture X or Capital One Venture Rewards.

Why Moms Might Love This Card

  • Flexibility with Big Purchases: Whether you’re planning a remodel or a big family trip, earning 2% cash back makes this card a great fit for major expenses.
  • Easy Travel Redemptions: If you’re new to points and miles, you can use your rewards to erase travel purchases without worrying about complex transfers.
  • Maximizing Airline Transfers: Capital One’s transfer partners include some excellent options for finding valuable award flights. For example, Turkish Airlines offers flights to Hawaii for as few as 15,000 miles each way!

To learn more about maximizing transferable points, check out my post on why transferable points are worth it.

Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities.
Advertiser Disclosure: The Rewards Mom has partnered with CardRatings for our coverage of credit card products. The Rewards Mom and CardRatings may receive a commission from card issuers.