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Capital One Spark Cash Plus

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Rates and Fees
Bonus Points
Estimated Value
Recommended Credit
740 - 850
Annual Fee
Current Offer

Earn $1,200 after spending $30,000 in the first 3 months.


The Capital One Spark Cash Plus is an excellent choice for business owners with an excellent FICO credit score (740 to 850) who want to earn cashback rewards on their business spending. It offers a competitive 2% cashback rate on all purchases, making it a straightforward and rewarding option for businesses. As a charge card, the balance must be paid in full each month, and it comes with no preset spending limit or annual percentage rate.

  • Unlimited 2% cash back on all purchases
  • 5% cash back on hotels and rentals
  • One-time cash bonus of $1,200 after spending $30,000 in the first three months
  • No preset spending limit
  • No annual percentage rate

👍 Pros

  • No preset spending limit
  • 2% cash back on every purchase
  • 5% cash back on hotels and rental cars booked through Capital One Travel
  • Rewards can be redeemed for a statement credit or a check
  • Annual fee is refunded every year you spend at least $150,000

👎 Cons

  • No preset spending limit, but you must pay the balance in full each month
  • Relatively low return-on-spending compared to some other business card welcome offers
  • Late fee of 2.99%
  • Cash advance fee of 3% (minimum $3)

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