Is Capital One Spark Cash Plus worth it?

The Capital One Spark Cash Plus is a business credit card designed for small and large businesses alike, offering unlimited 2% cash back on all purchases, making it an excellent choice for companies looking to maximize their rewards on business spending.

What credit score do I need to get Capital One Spark Cash Plus?

The recommended credit score for Capital One Spark Cash Plus is Good to Excellent.

Advertiser Disclosure

Capital One Spark Cash Plus

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Rates and Fees

Annual Fee: $150

Bonus Miles

Cash Back

$2,000

Recommended Credit

Good to Excellent

Current Offer

Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!

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

$2,000

Cash Back

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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's travel booking site
2% cash-back per $1 on every purchase with no minimums or expiration date

Additional Benefits

Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards.
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year

Foreign Transaction Fee

Rates and Fees

None

Also consider

The Plum Card® from American Express

Annual Fee: $250

Rates & Fees | Terms Apply

No welcome offer

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

Annual Fee: $0

Rates & Fees | Terms Apply

$750

Cash Back

ELEVATED OFFER

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

$750

Cash Back

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

The Capital One Spark Cash Select 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

$2,000

Cash Back

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Learn More Rates & Fees

REWARDS RATE

2-5% cash back

ANNUAL FEE

$150

Our Score

Annual Fee (20%)

Welcome Offer (20%)

Rewards Rates (20%)

Redemption Value (15%)

Card Benefits & Perks (15%)

Travel Protections (10%)

Our Take

Comparable Cards

No items found.

FULL COMPARISON

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.

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's travel booking site
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's travel booking site
2% cash-back per $1 on every purchase with no minimums or expiration date

Additional Benefits

Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards.
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year

How to make the most of your