Advertiser Disclosure

Capital One Spark Cash Plus

Learn More

Rates and Fees

Annual Fee: $150

Bonus Miles

Cash Back

$1,200

Recommended Credit

740 - 850

Current Offer

Earn $1,200 cash back once you spend $30,000 in the first 3 months of account opening.

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✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

$1,200

Cash Back

Earn $1,200 cash back once you spend $30,000 in the first 3 months of account opening.

‍

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by products. See the respective Guide to Benefits for details, as terms and exclusions apply.

Summary

The Capital One Spark Cash Plus is an excellent choice for business owners who want to earn cash-back rewards on their business spending. It offers a competitive 2% cash-back 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.

Earning Rewards

5% cash-back per $1 (on hotels and rental cars booked through Capital One Travel
2% cash-back per $1 on every purchase with no minimums or expiration date

Additional Benefits

Annual fee refund

Foreign Transaction Fee

None

Also consider

The Plum Card® from American Express

Annual Fee: $250

Rates & Fees | Terms Apply

Paying early pays off: Earn an unlimited 1.5% Early Pay Discount on eligible charges paid within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Please Pay By date.

The Plum Card from American Express is a unique charge card designed for businesses, providing flexibility in managing cash flow by offering a discount for early payment on your statement balance. With no preset spending limit and the ability to defer payment on certain expenses, it's a valuable tool for businesses looking for payment flexibility and discounts while managing their finances.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🚀 Learn How to Apply

👀 Read Our Take

Capital One Spark Cash Select for Excellent Credit

Annual Fee: $0

Rates & Fees | Terms Apply

$750

Cash Back

Earn a $750 cash bonus when you spend $6,000 in the first 3 months.

$750

Cash Back

Earn a $750 cash bonus when you spend $6,000 in the first 3 months.

The Capital One Spark Cash Select for Excellent Credit card is a top-tier business credit card that offers unlimited 1.5% cash back on all purchases, ideal for businesses with excellent credit seeking cash rewards.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🚀 Learn How to Apply

👀 Read Our Take

Capital One Spark Cash Plus

CURRENT OFFER

$1,200

Cash Back

Earn $1,200 cash back once you spend $30,000 in the first 3 months of account opening.

‍

Learn More Rates & Fees

REWARDS RATE

ANNUAL FEE

Our Score

Annual fee (20%)

Welcome Offer (20%)

Point Redemption Value (20%)

Rewards Rates (15%)

Benefits (15%)

Travel Protections (10%)

My Take

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Comparable Cards

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FULL COMPARISON

Pros & Cons

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

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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

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Rewards Summary

5% cash-back per $1 (on hotels and rental cars booked through Capital One Travel
2% cash-back per $1 on every purchase with no minimums or expiration date

Additional Benefits

Annual fee refund

Customer Reviews & Redemptions

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Advertiser Disclosure

Capital One Spark Cash Plus

Rates and Fees

Summary

Earning Rewards

Additional Benefits

Foreign Transaction Fee

Also consider

The Plum Card® from American Express

The Plum Card® from American Express

Capital One Spark Cash Select for Excellent Credit

Capital One Spark Cash Select for Excellent Credit

Capital One Spark Cash Plus

$1,200

Cash Back

My Take

Comparable Cards

Pros & Cons

Pros

Cons

Rewards Summary

Additional Benefits

Customer Reviews & Redemptions

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