Skip to content
CreditCardSignups.com
Find a card

We're paid when you apply via some links. Details

Capital One Spark Cash Plus card art
Capital One · rewards

Capital One Spark Cash Plus

4.3 / 5
Cash back · Business card

Spark Cash Plus works like a business version of a flat-rate charge card: 2% back on everything with no cap, and the $150 fee comes back if you spend $150,000 a year. The $2,000 bonus needs $30,000 in spend, so this targets businesses with real volume, not a starter card.

Apply Now

At a glance

Welcome bonus
$2,000 cash
Spend $30,000 in 3 months
Annual fee
$150
Year-one and ongoing
Purchase APR
See terms
No intro APR
FX fee
None
Editorial

Our take

Spark Cash Plus works like a business version of a flat-rate charge card: 2% back on everything with no cap, and the $150 fee comes back if you spend $150,000 a year. The $2,000 bonus needs $30,000 in spend, so this targets businesses with real volume, not a starter card.

Verdict

Pros & cons

Pros

  • Unlimited 2% cash back, no categories
  • Annual fee refunded at $150K spend
  • Repeatable $2,000 bonus per $500K spent

Cons

  • $150 annual fee unless you spend heavily
  • High $30,000 spend requirement for the bonus
  • Charge card structure means paying in full each month by default
Earnings

Earn rates

CategoryRateNotes
Travel via Capital One Travel5%Hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
All other purchases2%Unlimited 2% cash back on every purchase, no categories to track.
Benefits

Key benefits

$500 Travel Credit

Get a one-time $500 Capital One Business Travel credit after meeting the welcome-offer spend, valid for 15 months.

Fee Refunded at $150K Spend

Your $150 annual fee is refunded every year you spend $150,000 or more on the card.

Repeatable $2,000 Bonus

Earn an additional $2,000 for every $500,000 you spend in your first year, with no cap on how many times you can earn it.

No Preset Spending Limit

Spending power adjusts with your business's use and payment history instead of a fixed credit line.

Fit

Who this is best for

  • High-volume business spenders
  • Flat 2% back with no cap
  • Businesses that can hit $150K/year
FAQ

Frequently asked questions

What is the Spark Cash Plus welcome bonus?
Earn a $2,000 cash bonus after spending $30,000 in the first 3 months, plus another $2,000 for every $500,000 spent in the first year.
Does the Spark Cash Plus charge an annual fee?
Yes. The annual fee is $150 every year.
Does the Spark Cash Plus have a foreign transaction fee?
No. The Spark Cash Plus charges no foreign transaction fee, so it works well for international purchases.
What APR does the Spark Cash Plus charge?
The purchase APR is See terms variable.
Who is the Spark Cash Plus best for?
High-volume business spenders. Flat 2% back with no cap. Businesses that can hit $150K/year.
Similar

Related cards

Apply

Capital One Spark Cash Plus

Spend $30,000 in 3 months
Apply Now

Rates accurate as of October 6, 2026. Issuer terms.