Our Take
5.0
The bottom line:
Capital One Spark Cash Plus
on Capital One's website
More details from Capital One
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
View Rates & Fees
Pros & Cons
Pros
- Earns cash back on primary and employee cards
- No foreign transaction fees
Cons
- Balance must be paid in full every month
- Has annual fee
- High spending requirement to hit full welcome bonus, annual bonus offers
Full Review
🤓 Nerdy Tip
Most Capital One business cards report all card activity — payments, balance, credit utilization, etc. — to commercial and personal credit bureaus. The- Ink Business Unlimited® Credit Card: Earns1.5%on all purchases with no annual fee, a $900welcome offer and a 12-month intro APR period.
- Wells Fargo Signify Business Cash℠ Card: Earns2%on all purchases with no annual fee, a $500welcome offer and a 12-month intro APR period.
- Capital One Spark 2% Cash: Earns 2% on all purchases, has a $95 annual fee (waived for the first year) and a $750 welcome offer.
The Capital One Spark Cash Plus is best for small-business owners who:
- Want a cash-back business card with no preset spending limit.
- Will spend enough to negate the annual fee — and earn the welcome bonus.
- Have consistent enough cash flow to pay their bill in full each month.
Key features of the Capital One Spark Cash Plus
- Card type: Cash-back business credit card.
- Annual fee: $150.
- Recommended credit score:720+.
- Sign-up bonus:Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months and an additional $2,000 cash bonus for every $500K spent during the first year.
- Rewards:Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
- APR: N/A.
- Foreign transaction fees: None.
- Late payment fee:2.99% of the unpaid portion.
- Other perks:
- Annual fee refund every year you spend at least $150,000.
- No preset spending limit.
Why you might want the Capital One Spark Cash Plus
Unlimited 2% cash back
Outstanding welcome bonus
No foreign transaction fees
Why you might want a different card
You need payment flexibility
Not a big enough spender
Should you get the Capital One Spark Cash Plus
on Capital One's website