Capital One Spark 2% Cash
Snapshot Summary
This card gets you Unlimited 2% cash back on every purchase, but it does come with a $0 annual fee for the first year, and $95 a year after that. In order to breakeven every year on it then, you’d need to spend around $4750 on the card annually.
The Full Picture
Full Breakdown
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Humphrey Yang, © 2025.
Humphrey Yang, © 2025.
Advertiser disclosure: Many (but not all) of the credit card offers on the site are from banks from which we receive compensation if you are approved. Citibank, American Express, Chase, Barclays and Capital One are advertisers on this site. Compensation does not impact the placement of cards in content. Banner advertising, in contrast, is paid for by advertisers (we do not directly control the banner advertising on this blog).
I don’t include all US credit card offers available on this site. Instead, I write primarily about cards which earn airline miles, hotel points, and some cash back (or have points that can be converted into the same).
Editorial Note: The opinions, analyses, and evaluations here are mine and not provided by any bank including (but not limited to) American Express, Chase, Citibank, US Bank, Barclays or any other company. They have not reviewed, approved or endorsed what I have to say.
Comments made in response to posts are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered.
Disclaimer: Humphrey's Guide strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.
I don’t include all US credit card offers available on this site. Instead, I write primarily about cards which earn airline miles, hotel points, and some cash back (or have points that can be converted into the same).
Editorial Note: The opinions, analyses, and evaluations here are mine and not provided by any bank including (but not limited to) American Express, Chase, Citibank, US Bank, Barclays or any other company. They have not reviewed, approved or endorsed what I have to say.
Comments made in response to posts are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered.
Disclaimer: Humphrey's Guide strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.