Capital One Spark Cash Plus
Capital One Spark Cash Plus
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Capital One Spark Cash PlusSee Rates & Fees
Partner Offer

Capital One Spark Cash Plus

Our rating:4.7 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Excellent

Credit Recommended (740-850)

CreditCards.com 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.
Apply now at Capital One's secure site
Intro Bonus
$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
Reward Rates
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
Balance Transfers Intro APR
N/A
Purchases Intro APR
N/A
Regular APR
N/A
Annual Fee
$150

Highlights

  • 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

Features

  • Business
    Business
  • Cash Back
    Cash Back
  • EMV
    EMV
  • Excellent Credit
    Excellent Credit
  • No Foreign Transaction Fees
    No Foreign Transaction Fees
  • Rewards
    Rewards

Staff Review

Editor's Rating:

4.7 out of 5

Our take: If you want a simple business charge card with a superb cash-back rate, you will love the Capital One Spark Cash Plus. (See Rates and Fees)

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All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.