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At a glance

Rewards Rates

2%
2% cash back on every purchase
5%
5% cash back on hotels and rental cars booked through Capital One Business Travel

Intro Offer

Limited-Time Offer

Earn $2,000 cash back

Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit once you spend $30,000 in the first 3 months

Introductory Purchases APR

N/A

Ongoing Purchases APR

25.74% (Variable)

Introductory Balance Transfer APR

N/A

Ongoing Balance Transfer APR

N/A

Ongoing Cash Advance APR

N/A

Ongoing Penalty APR

None

Annual Fee

$150

Recommended Credit

740-850Excellent

More Details

  • Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit 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

Rewards Rates

2%
2% cash back on every purchase
5%
5% cash back on hotels and rental cars booked through Capital One Business Travel

Intro Offer

Limited-Time Offer

Earn $2,000 cash back

Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit once you spend $30,000 in the first 3 months

Introductory Purchases APR

N/A

Ongoing Purchases APR

25.74% (Variable)

Introductory Balance Transfer APR

N/A

Ongoing Balance Transfer APR

N/A

Ongoing Cash Advance APR

N/A

Ongoing Penalty APR

None

Annual Fee

$150

Recommended Credit

740-850Excellent

More Details

  • Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit 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 big purchasing power so you can spend more and earn more rewards. 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 Business Travel
  • Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
  • 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
  • Your card is designed to be paid in full. However you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
  • For businesses that need large spending capacity and want to maximize cash back
  • Top rated mobile app
at Capital One's secure site.
Terms & restrictions apply. See rates & fees.

Our Take

TPG Editor's Rating
Star 1Star 2Star 3Star 4Star 5
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 refunded. 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 Business Travel are eligible for 5% cash back.

Cons

  • The card has a $150 annual fee.
  • The required spend to refund 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 refunded 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 Business Travel.

Limited-Time Offer

Earn $2,000 cash back

Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit once you spend $30,000 in the first 3 months

at Capital One's secure site.
Terms & restrictions apply. See rates & fees.
  • Rewards Rates

    2 - 5% cash-back

  • Annual Fee

    $150

  • Regular APR

    25.74% (Variable)

  • Recommended Credit

    Excellent

at Capital One's secure site.
Terms & restrictions apply. See rates & fees.
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