Capital One Spark Cash Plus

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!
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’s travel booking site
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

Fees & Conditions

Annual Fee $150

Advantages

Welcome Bonus amount $1,000 Cash Back

Minimum Spending Required $50,000

Minimum Spending Timeframe (Months) 6 month(s)

Earnings

Per dollar of purchases

All Spending 2 %

Groceries 2 %

Gas 2 %

Dining and Food delivery 2 %

Convenience Stores 2 %

Drugstores 2 %

Local Transport 2 %

Travel 2 %

Entertainment 2 %

Recurring Payments 2 %

Telecom/Internet 2 %

Streaming services 2 %

Online transactions 2 %

Office Supplies 2 %

Our review

Supercharge Your Business Rewards with the Capital One Spark Cash Plus Card

Unlimited 2% cash back on every purchase, everywhere
5% cash back on hotels and rental cars booked through Capital One’s travel portal
$2,000 one‑time bonus after $30,000 in purchases within the first 3 months
Additional $2,000 bonus for every $500,000 spent during your first year—earn multiple bonuses
No preset spending limit adapts to your business’s needs
$150 annual fee, fully refunded each year you spend $150,000
No foreign transaction fees
Charge card structure: balance due in full each month
Free employee and virtual cards with customizable controls and seamless accounting integration

Designed for high‑spend businesses, Spark Cash Plus delivers a powerful combo of flat‑rate rewards and massive welcome offers that more than offset its fee. With adaptable purchasing power, robust travel bonus rates and scalable employee programs, this card ensures every dollar fuels growth and returns—while you pay in full and build a stronger bottom line.