Capital One Spark Cash Plus

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 Cash Plus

The Capital One Spark Cash Plus credit card is a premium business credit card designed to cater to the financial needs of small businesses. Known for its competitive cash back rewards program and flexible spending options, this card offers a range of features to support businesses in managing their expenses and maximizing their cash flow.


  • Competitive 2% cash back on all purchases.
  • Lucrative sign-up bonuses for new cardholders.
  • Flexible redemption options for earned cash back.
  • Additional business benefits for enhanced financial protection.
  • Potential introductory 0% APR for purchases and balance transfers.


  • Comes with an annual fee, which may be a drawback for some businesses.
  • While the rewards program is straightforward, it may not cater to businesses with specific spending preferences.
  • International transaction fees may apply, making it less ideal for businesses with frequent overseas expenses.

Details & Eligibility

  • 800+
  • N/A
  • N/A
  • $150
  • N/A
  • Visa
  • No
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
1. Rewards Program: The Spark Cash Plus card is renowned for its straightforward cash back rewards program. Cardholders earn unlimited 2% cash back on every purchase, making it an attractive option for businesses with diverse spending needs. The absence of spending categories simplifies the earning process, allowing businesses to accumulate cash back effortlessly. 2. Sign-Up Bonus: Capital One often offers a lucrative sign-up bonus for new cardholders. This could include a substantial cash reward after a specified amount is spent within the initial months of card ownership. This feature provides an immediate boost to a business’s financial position. 3. Annual Fee: Like many premium credit cards, the Spark Cash Plus card comes with an annual fee. While this may be a deterrent for some, the robust rewards program and additional perks often outweigh the cost for businesses with significant spending. 4. Introductory APR: Capital One may provide an introductory 0% APR period for purchases and balance transfers. This feature can be beneficial for businesses looking to finance larger purchases or consolidate existing high-interest debt. 5. Flexible Redemption Options: Cash back earned with the Spark Cash Plus card can be redeemed in various ways, providing flexibility for businesses. Redemption options may include statement credits, checks, or even as a credit toward previous purchases, giving businesses control over how they utilize their rewards. 6. Additional Business Benefits: The Spark Cash Plus card may offer additional perks such as extended warranty protection, purchase security, and travel assistance services. These benefits contribute to the overall value proposition for businesses seeking comprehensive financial tools.
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