Capital One Spark Cash Plus

Apply for Capital One Spark Cash Plus Apply now for Capital One Spark Cash Plus at Capital One's secure site Terms & restrictions apply. See rates & fees

Unlock big cash bonuses for your business

The Capital Spark Cash Plus is a great cash back card for larger businesses with high spending. It allows business owners to earn unlimited 2% cash back on every purchase, and Capital One will refund the card’s annual fee if the business meets a minimum spend of $150,000 annually. (Partner offer)

At a glance

  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • 2% Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
$2,000 cash back
$2,000 cash back 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
N/A
N/A
N/A
N/A
None
N/A
$150
740-850
Excellent
  • 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!

At a glance

  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • 2% Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
$2,000 cash back
$2,000 cash back 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
N/A
N/A
N/A
N/A
None
N/A
$150
740-850
Excellent
  • 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!
  • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
  • Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
  • $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
  • Spark Cash Plus has no APR because your balance is due in full every month
  • For businesses that need large spending capacity and want to maximize cash back
Apply now for Capital One Spark Cash Plus at Capital One's secure site Terms & restrictions apply. See rates & fees

Our Take

TPG Editor's Rating

tooltip icon
3.5/5

Overview

The Capital One Spark Cash Plus is a great cash back card for high-spending businesses since it earns unlimited 2% cash back on all purchases. In addition, businesses that spend more than $150,000 annually will have the card’s annual fee of $150 waived. It is a great card for larger businesses looking to earn cash back on their spending. Business owners should be aware that the card must be paid in full every month, so if their businesses typically carry a balance, this is not the card for them.

Read the full review

Pros

  • The card features unlimited 2% cash back on every purchase.
  • It offers a welcome bonus.
  • Hotels and rental cars booked through Capital One Travel are eligible for 5% cash back.

Cons

  • The card has a $150 annual fee.
  • The required spend to waive credit card fees is very high.
  • The card’s balance must be paid in full every month.

Who is this card good for?

Businesses with a high spend should consider the Capital One Spark Cash Plus. It earns unlimited 2% cash back on all purchases, and its annual fee of $150 can be waived if you spend $150,000 annually. But businesses must diligently pay off their balance as the Capital One Spark Cash Plus requires cardholders to pay off the full monthly balance.

Earning Rewards

The card earns unlimited 2% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel.