Business card · Capital One
Capital One Spark 2% Cash
Unlimited 2% cash back on every purchase, $0 first-year fee
- Annual fee
- $95
- Everything else
- 2%
- Rewards
- Cash back
- Foreign fee
- —
What the rewards are worth
Cash back. Each 1% earned is 1¢ per dollar, paid as cash or a statement credit, so there’s nothing to convert.
Capital One lets cash rewards move into an eligible Capital One miles account; conversion terms are not published.
How it earns
- 5%
Hotels and rental cars via Capital One Business Travel
Issuer travel portal only
- 2%
Everything else
Transfer partners
Capital One lets cash rewards move into an eligible Capital One miles account; conversion terms are not published. Partner miles or points per 1,000 card points.
Hotels & rail
- Issuer travel portal