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Capital One Spark Cash Plus
Even though it's a business card, qualifying is easier than you think. You can get approved for something as simple as selling items on Facebook Marketplace. Learn more here.
Current Welcome Offer: $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.
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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 Moms Love This Card
- Flexible Redemption Options: You can use your rewards to erase travel purchases, redeem for cash back, or (with the right pairing) transfer to Capital One’s travel partners.
- Turn Cash Back Into Travel Rewards: This card technically earns cash back—but if you also hold a card like the Capital One Venture X or the Capital One Venture Rewards, you can move your rewards over and convert them into transferable miles. That means more travel value from the same spending!
- Perfect for Big Expenses: If you're planning something major—like a home project or a big trip—earning 2% back on everything can add up fast. Yes, the minimum spend is high, but if you’ve got a large purchase coming up, it could be the perfect time to grab this card.
- Travel Transfer Partners: Capital One has a strong list of airline partners that open up great redemption opportunities. For example, Turkish Airlines lets you book flights to Hawaii for as few as 15,000 miles each way—that’s a huge value!
- No Foreign Transaction Fees: A great perk if you’re shopping or traveling internationally—you won’t get hit with extra fees on those purchases.
Curious how to get the most value from transferable points? This post breaks it down in a super simple way . And be sure to check out Capital One’s full list of transfer partners while you're at 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.