Capital One Spark Cash

Whether Capital One Spark Cash is worth its $95 annual fee depends on which credits you actually use. Your WTF Check starts with $0/year in Auto-Counted Value. Add the Capturable credits you expect to use and the Maximum Credit Value is $0/year — your value may be much lower, and that is what the WTF Check calculates. Run the WTF Check above for your verdict.

You'd need to capture $95 in credits each year to break even. Using every credit that isn't spend-gated returns $0 (0% of the fee).

Banks add up every possible credit at its theoretical maximum. We separate the Auto-Counted Value included in the WTF Check ($0/year here) from Capturable and Earned value that counts only if you use or earn it. If you don't use it, we don't count it.

No. Welcome bonuses are one-time and vary by application channel, so we don't fold them into ongoing annual value. Our number reflects what you get every year you hold the card — not a first-year sweetener.

None of them — nothing on the Capital One Spark Cash posts automatically, so every credit takes an action to capture. Review each credit below and include only what you realistically expect to use or earn.

No credits on Capital One Spark Cash require an enrollment step in our records. You still have to use each credit at the right merchant or within the right window.

WorthTheFee excludes any benefit without a fixed, verifiable dollar value — things like elite status, lounge access, or trip insurance. They're real, but we won't put a fake price on them.

We sort every credit into three buckets: Auto-Counted (included in the WTF Check with no selection required), Capturable (available only if you actually use it), and Earned, Not Given (requires spending or qualifying activity). Your verdict adds Auto-Counted Value to the value you select—never the bank's marketing total.

Every credit here is read from the issuer's own published terms by a person, who records the source link and the date. The date on this page is that date — it is when we last checked, not a promise about when we will check next. When a term changes we log it to our terms-history so you can see exactly what shifted and when, and if a credit's reset window changes, your reminders update too.

Issuers raise fees occasionally — usually with 30–60 days notice. If we detect a fee change on a card you've saved, we surface a warning on this page and email you. You can always downgrade or cancel before the renewal posts.

No. Some card links may earn us a commission. Your verdict never does. The numbers don't move. The answer doesn't change. If the math says Cancel, we say Cancel.

Yes—your current selections are kept in this page's URL automatically. Create a free account to save your Fee Report to My Wallet and get reminders before each credit's reset window closes.