🚨🚨🚨 Limited time offer on the Capital One Spark Cash Plus! Earn $2,000 cash back after you spend $30,000 in the first 3 months from account opening.

Although it is marketed as a cash-back card, if you have another card that earns Venture miles, you can convert that $2,000 cash back into EVEN MORE VALUABLE transferrable Capital one miles!!

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YES that is a STEEP minimum spend.

So this card will only be a good fit for a select number of people. Howeverrrrr, if you can meet that minimum spend through already budgeted expenses, there is a MASSIVE pay off on this limited time offer.

260,000+ Capital One Miles in your pocket to be exact…let me show you how!

Who is Eligible

• Business owners (remember it’s SO much easier to be eligible for business cards than you think! This is a MUST READ here!)
• Anyone with very large upcoming expenses (think home renovations, taxes, etc)
• Business owners with high operating costs

If you meet the criteria and can spend $30,000 in 3 months….RUN! This offer is a CANNOT MISS opportunity for a huge amount of travel!

But it says it earns cash back?!

It’s marketed as a cash-back card, but if you have another card that earns Venture miles (like the Capital One Venture Rewards Credit Card or Capital One Venture X Rewards Credit Card), you can convert the cash back you earn from the Capital One Spark Cash Plus into Capital One Venture miles.

Even if you don’t currently have the Venture or Venture X, after applying for the Capital One Spark Cash Plus, in 6 months you could snag one of those cards to turn that cash back into even more valuable TRANSFERRABLE miles.

The standard welcome offer is $1,200 cash back…so this $2,000/200k welcome offer is INSANE.

This card earns 2x miles on every purchase, so once you meet that $30k minimum spend you could have a whopping 260,000 Capital One Miles for travel.

That’s enough for SIX round trip tickets to Europe or even 2 round trip lie flat business class seats to Europe with points to spare….hollyyyyyyy vacation!

How I Got Instant Approval

• Before applying for the Capital One Spark Cash Plus, I first made sure to cancel my Capital One Venture X Business card. You cannot hold both the Venture X Business and Spark Cash Plus at the same time. Cancelling my Venture X was easy and able to be done within my account online!

(remember cancelling business cards if they no longer serve you does NOT impact your personal credit…another reason they are a game changer!)

• Next, I froze my Experian credit! Data points show that there is increased odds of approval by doing this, especially if you have had a number of recent credit inquires with Chase. You can do this in one click easily HERE!

Applying as a sole proprietor?! Check out my step by step guide on how to apply for business cards!

Converting Cash Back to Venture Miles

One click easy!! Once you meet the minimum spend on your Capital One Spark Cash Plus, you can convert your cash back to even more valuable miles within minutes!

Log into your Capital One online account and select “View Rewards.” Select your Spark Cash Plus account, then select “Combine rewards.” I will be moving the miles to my Venture X card.

That’s it!

How to Maximize your 260k Capital One Miles

I loveeee our Capital One Miles for flights and find I can 2x or 3x our travel when transferring these miles to airline partners of my card.

• Transfer miles to Air France/KLM to book flights to Europe for your family for a fraction of the actual cost (25% discount on kids tickets with their Family Plan)- saving on Europe flights HERE!

• Transfer miles to Air Canada to book business class flights to Australia or New Zealand for 75,000 points one way per person

• Transfer miles to Virgin Atlantic to book the cheappessttttt flights to London possible (starting at 6,000 one way per person!!)

• Transfer miles to British Airways to book American Airlines flights you might be able to otherwise

• My other favorite use of Venture miles is to “reimburse ourselves” for some of those harder to save on travel expenses, like Airbnbs and Disney tickets. I have some deep dives on saving on vacation rentals HERE and saving on Disney HERE! Although, this won’t get you the BEST return on your points (10,000 miles = $100 in savings)…sometimes free is FREE amirite?!

Capital One Spark Cash Plus Continued

Just a few other things of note about this offer!

• Capital One will only approve you for a new credit card every 6 months
• You cannot hold the Venture X Business card and Spark Cash Plus at the same time
• This is a charge card, which means there will be no credit limit, however you must pay your balance in full every month

As always, thank you so very much for using our links when you apply for a new card!!

💳 Learn more about how to apply for the Capital One Spark Cash Plus HERE!