Capital One Spark 2% Cash Plus for Business

Welcome Bonus


Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months

Annual Fee


Annual Rewards

2% Unlimited Rewards

Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

Rewards on Approval


Interest rates

Purchase Rates


Cash Advance Rates


Balance Transfer Rates


Table of Contents

Capital One Spark 2% Cash Plus for Business

The Capital One Spark 2% Cash Plus for Business is a credit card designed specifically for small businesses, offering an enticing cashback rewards program. With a straightforward approach to rewards and flexible cashback redemption options, this card caters to businesses seeking financial benefits and operational ease.


  1. Simplified Rewards: The 2% flat-rate cashback on all purchases eliminates the need to navigate complex reward categories.
  2. Flexible Redemption: Various redemption options, including statement credits and checks, cater to diverse business needs.
  3. No Annual Fee: The absence of an annual fee contributes to the overall cost-effectiveness of this credit card.
  4. Introductory APR: The 0% introductory APR on purchases provides a valuable opportunity for businesses to manage cash flow strategically.
  5. Employee Cards at No Cost: The ability to issue employee cards at no additional expense facilitates efficient expense management.


  1. Foreign Transaction Fees: Businesses engaging in international transactions may find the foreign transaction fees associated with this card less favorable.
  2. Moderate APR After Intro Period: While the introductory APR is enticing, businesses should be mindful of the regular APR that applies after the initial period.
  3. May Not Suit High Spenders: For businesses with significant expenditures in specific categories, a card with category-specific rewards might offer higher returns.
  4. Credit Score Requirements: Qualifying for this card may require a relatively higher credit score, potentially limiting accessibility for some small businesses.
  5. Limited Additional Benefits: While the card excels in cashback rewards, it may lack some of the additional perks offered by premium business credit cards.

Details & Eligibility

  • 800+
  • N/A
  • N/A
  • $150
  • N/A
  • Mastercard
  • No
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
Key Features: The standout feature of the Capital One Spark 2% Cash Plus for Business is its flat-rate cashback rewards program. Businesses earn an unlimited 2% cash back on every purchase, making it a reliable choice for those seeking simplicity in their rewards structure. Moreover, this card does not impose any restrictive categories or spending caps, providing businesses with the freedom to earn cash back across various expenses. Cashback Redemption Options: Capital One enhances the flexibility of this card by offering multiple ways to redeem cash back. Businesses can opt for statement credits to offset previous purchases, request checks, or set up automatic redemption preferences. This versatility ensures that businesses can tailor their cashback strategy to align with their financial goals and preferences. Annual Fee and APR: The Capital One Spark 2% Cash Plus for Business boasts a competitive advantage with no annual fee. Additionally, the card provides a 0% introductory APR on purchases for an initial period, offering businesses a window of opportunity to manage their cash flow without incurring interest charges. Employee Cards and Fraud Protection: For businesses looking to streamline expense tracking and manage employee spending, this card allows for the issuance of employee cards at no extra cost. Moreover, Capital One provides robust fraud protection measures, including real-time alerts and account monitoring, to safeguard businesses against unauthorized transactions. In conclusion, the Capital One Spark 2% Cash Plus for Business stands out as an attractive option for businesses seeking straightforward and rewarding spending incentives. Its simplicity in rewards, coupled with flexibility in redemption, makes it a practical choice for small businesses looking to optimize their financial returns.
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