Fees and terms
Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.
- Annual fee
- $150
- Purchase APR
- APR range: 25.74%
- Balance transfer APR
- Balance Transfers Not Allowed
- Cash advance APR
- Check issuer terms
- Foreign transaction fee
- Check issuer terms
- Late payment fee
- 2.99% of the unpaid portion of your balance
- Grace period
- Check issuer terms
- Recommended credit
- Excellent (720+)
- Terms last updated
- 6/22/2026
Key benefits
- Extended warranty coverage may be included
- Employee card controls may be available
- Business spending features
Rewards breakdown
Wafacard summary: this business spending card shows cash-back earning from 2%-5% depending on the purchase type and issuer rules. Check the issuer page for eligible categories, caps, and current terms.
Intro offer: Intro value may include 2,000 points. Confirm current requirements with the issuer.
Card details
Wafacard note: key fit signals include extended warranty coverage may be included, employee card controls may be available, business spending features. Availability, exclusions, and enrollment rules can vary by issuer terms.
- Network
- Visa
- Review status
- Terms reviewed 6/30/2026
Is Capital One Spark Cash Plus credit card worth it?
The Capital One Spark Cash Plus credit card is a business card from Capital One with a $150 annual fee — a mid-range cost that should be offset by everyday value. New cardholders may also qualify for a welcome offer: Intro value may include 2,000 points. Confirm current requirements with the issuer. It is generally aimed at applicants with excellent (720+) credit, with a purchase APR around APR range: 25.74%. Confirm current terms on Capital One's site before applying.
