Last chance to earn up to $3,000 cash back with the Capital One Spark Cash Plus
Update: Some offers mentioned below are no longer available. View the current offers here.
Capital One had a very exciting year last year with the introduction of the Capital One Venture X Rewards Credit Card and numerous additions to its travel offerings. And after making its mark on the premium travel space, the issuer now has a special offer for business owners looking to earn substantial cash back on their everyday expenses with the Capital One Spark Cash Plus card.
However, there are just a few days left to apply for this limited-time bonus.
Now through March 14, 2022, new cardholders can earn a one-time cash bonus of up to $3,000 after meeting minimum spend requirements in the first six months. That’s right — business owners will earn $500 after spending $5,000 in the first three months and another $2,500 back after spending a total of $50,000 in the first six months of card membership.
But that’s not all.
There are a lot of perks that come with this card in addition to the opportunity to earn this massive welcome bonus.
Here’s why now is a perfect time to add the Spark Cash Plus to your wallet.
A massive welcome offer
We’ve already given away the most appealing reason to apply for this card (the incredible new bonus) — but it bears repeating thanks to the sheer value.
If you’re approved as a new cardholder, you can earn up to $3,000 in rewards — $500 back after spending $5,000 in the first three months and another $2,500 back after spending a total of $50,000 in the first six months.
There’s no denying that this is a high threshold to reach in order to earn the full bonus, but many small businesses require large investments in inventory, equipment or supplies on a regular basis. If you have large purchases on the horizon for your company, it could make a lot of sense to pick up this card today.
Read more: 12 ways to meet the spending requirements and earn the bonus on a new card
However, this offer is only available through March 14, 2022 — so be sure to apply before that date.
Unlimited 2% cash back
Capital One is known for making it easy to earn — and redeem — credit card rewards. And this definitely holds true for the Spark Cash Plus card.
Cardholders earn an unlimited 2% cash back on every purchase, and with no limits on spending categories to keep up with, you never have to worry about missing out on rewards. In addition, you’ll earn an additional $200 cash bonus every year you spend $200,000 or more on the card.
In other words, opening the card now and spending $200,000 in the first year would result in a total of $7,200 in cash-back rewards — factoring in the new welcome offer, the $200 bonus and the 2% earning rate.
You can also add employee cards at no additional fee, and you’ll earn an unlimited 2% cash back on all of those purchases, too.
Read more: From 13 credit cards to just 1: Why this small business loves the Capital One Spark Cash Plus card
No preset spending limit
The Spark Cash Plus doesn’t have a preset spending limit — a feature that business owners that need flexibility in their spending power can appreciate, since the card adapts to their needs based on their spending behavior as well as their payment and credit history.
Unlike standard credit cards, this means that your balance must be paid in full each month to avoid a late fee. As long as you’re able to pay off your statement each month, you’ll be able to enjoy the full benefits of the Spark Cash Plus.
Related: What’s the difference between a charge card and a credit card?
Rewards don’t expire — ever
Unlike airline miles or hotel points — many of which expire when there’s no activity on your account for a certain amount of time — your cash-back rewards earned with the Spark Cash Plus don’t expire as long as your account remains open.
Cash back can be redeemed as a statement credit or cash in the form of a check, and you can redeem for any amount you wish.
And remember, for a limited time, new cardholders can earn up to $3,000 cash back in the first six months.
Additional card benefits
The Spark Cash Plus comes with additional benefits to provide peace of mind for business owners. $0 fraud liability means you’re covered if your card (or one of your employee’s cards) is ever lost or stolen. And with no foreign transaction fees, you can use your card when traveling abroad without the need to budget for added costs.
The card does come with a $150 annual fee, but with the simple (and rewarding) earning rate and massive bonus for new cardholders, you can easily cover that fee through everyday purchases for your company.
Bottom line
Cash-back business cards offer tremendous flexibility with their rewards, and for a limited time, one business card is offering one of the largest welcome bonuses we’ve ever seen.
New cardholders of the Capital One Spark Cash Plus Card can earn up to $3,000 cash back — $500 after spending $5,000 in the first three months and another $2,500 after spending a total of $50,000 in the first six months.
The card also earns an unlimited 2% cash back on every purchase, and with no preset spending limit nor category restrictions, it gives business owners the flexibility they need from month to month. Employee cards can be added for no additional fee and also earn that same 2% cash back.
However, the new sign-up bonus is only available through March 14, 2022, so apply today before it’s too late.
Top offers from our partners
How we chose these cards
TPG featured card
Rewards
| 3X | Earn 3X Miles on Delta purchases and purchases made directly with hotels. |
| 2X | Earn 2X Miles at restaurants worldwide, including takeout and delivery in the U.S. and at U.S. supermarkets. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
Build your loyalty to Delta by applying for the carrier's mid-tier card option, the Delta SkyMiles Platinum card. The annual fee is quickly recouped by the card's travel perks, such as an application credit to Global Entry or TSA Precheck, annual companion certificate and so much more. Plus you can fast-track to elite status simply through card spend.Pros
- Earn bonus Medallion® Qualification Miles (MQMs) and an Medallion Qualifying Dollar (MQD) waiver when you hit specific spending thresholds with your card within a calendar year
- Receive a Domestic Main Cabin round-trip companion certificate each year
- Statement credit for TSA PreCheck/Global Entry fee (up to $100)
- First checked bag free
Cons
- Doesn't make sense if you don't fly Delta
- SkyMiles aren't the most valuable airline currency
- Earn 90,000 bonus miles after you spend $4,000 in purchases on your new Card in your first 6 months.
- Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
- Enjoy your first checked bag free on Delta flights. Plus enjoy Main Cabin 1 Priority Boarding and settle into your seat sooner.
- New: Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Earn 3X Miles on Delta purchases and purchases made directly with hotels.
- Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
- Earn 1X Mile on all other eligible purchases.
- Enjoy a per-visit rate of $50 per person for Card Members and up to two guests to enter the Delta Sky Club when traveling on a Delta flight.
- Fee Credit for Global Entry or TSA PreCheck® after you apply through any Authorized Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
- Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs up to two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
- No Foreign Transaction Fees.
- $250 Annual Fee.
- Terms Apply.
- See Rates & Fees
Rewards Rate
| 3X | Earn 3X Miles on Delta purchases and purchases made directly with hotels. |
| 2X | Earn 2X Miles at restaurants worldwide, including takeout and delivery in the U.S. and at U.S. supermarkets. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Intro Offer
Earn 90,000 bonus miles after you spend $4,000 in purchases on your new Card in your first 6 months.Earn 90,000 Bonus Miles50,000 Bonus MilesAnnual Fee
$250Recommended Credit
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.670-850Excellent/Good
Why We Chose It
Build your loyalty to Delta by applying for the carrier's mid-tier card option, the Delta SkyMiles Platinum card. The annual fee is quickly recouped by the card's travel perks, such as an application credit to Global Entry or TSA Precheck, annual companion certificate and so much more. Plus you can fast-track to elite status simply through card spend.Pros
- Earn bonus Medallion® Qualification Miles (MQMs) and an Medallion Qualifying Dollar (MQD) waiver when you hit specific spending thresholds with your card within a calendar year
- Receive a Domestic Main Cabin round-trip companion certificate each year
- Statement credit for TSA PreCheck/Global Entry fee (up to $100)
- First checked bag free
Cons
- Doesn't make sense if you don't fly Delta
- SkyMiles aren't the most valuable airline currency
- Earn 90,000 bonus miles after you spend $4,000 in purchases on your new Card in your first 6 months.
- Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
- Enjoy your first checked bag free on Delta flights. Plus enjoy Main Cabin 1 Priority Boarding and settle into your seat sooner.
- New: Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Earn 3X Miles on Delta purchases and purchases made directly with hotels.
- Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
- Earn 1X Mile on all other eligible purchases.
- Enjoy a per-visit rate of $50 per person for Card Members and up to two guests to enter the Delta Sky Club when traveling on a Delta flight.
- Fee Credit for Global Entry or TSA PreCheck® after you apply through any Authorized Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
- Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs up to two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
- No Foreign Transaction Fees.
- $250 Annual Fee.
- Terms Apply.
- See Rates & Fees