Capital One Spark Cash Plus: what it earns

Updated September 17, 2026 · from RightCard's verified card and merchant data

Capital One Spark Cash Plus earns a flat 2% on everything. Annual fee: $150.

Every category, as published

The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.

Category	Earn	≈ value / $1
Restaurants	2%	2¢
Supermarkets	2%	2¢
Gas stations	2%	2¢
Travel	2%	2¢
Online shopping	2%	2¢
Drugstores	2%	2¢
Transit & rideshare	2%	2¢
Streaming	2%	2¢
Everything else	2%	2¢

Where it beats a flat 2% card

Everywhere. It is a flat-rate card that clears the 2% bar on every purchase.

Statement credits

Verified from the issuer's terms. A credit is worth its face value only if you would spend there anyway.

Credit	Amount	Per year
Annual fee statement credit	$150 yearly	$150 / yr

Tick the ones you would use and get the fee verdict →

See it against the rest of your wallet →

How RightCard handles this: add the Capital One Spark Cash Plus in the app and it competes with your other cards at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

Get RightCard on the App Store

FAQ

What does the Capital One Spark Cash Plus earn at supermarkets?

2% at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.

What does the Capital One Spark Cash Plus earn on everything else?

2% on purchases outside its bonus categories.

Is the Capital One Spark Cash Plus's $150 fee worth it?

Only if the credits and rewards you would actually use add up to more than $150 a year. Our coupon-book tool lets you tick the credits you would use and see the verdict.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

More guides: Rate my wallet · All cards ·