亲爱的美卡 101 读者：
Spark Cash Plus 开卡奖励升级
Spark Cash Plus 信用卡开卡奖励已提升至$2,500（含$2,000 现金奖励及$500 Capital Travel 旅行报销），需在开卡后前三个月内消费满$30,000。其中$500 旅行报销可用于预订酒店或机票，使用门槛较低。鉴于该卡基础返现率为 2%，日常消费依然具备较高价值。
此外，该卡新增高额消费福利：首年每消费满$500,000，可额外获得$2,000 奖励。折算后相当于增加 0.4% 的返现率，综合返现率达 2.4%。对于商业流水较大的用户而言，这是一项极具吸引力的增值福利。
年费减免政策更新
该卡近期更新了权益条款：新增 Capital Travel 渠道 5% 返现；大额消费奖励门槛调整为年度净消费满$150,000，即可免除$150 年费。
How does my annual bonus work? You will receive a statement credit of $150 each year when you spend at least $150,000 in net purchases by your membership anniversary date. You will see the statement credit within two billing cycles following your rewards membership anniversary date. Please note that statement credits lower your balance but do not count as payments. You must continue to make any required payments.
鉴于其优越的开卡奖励与持续优化的持有权益，该卡已被纳入美国商业信用卡排行榜推荐名单。
