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Pros & Cons
Pros
- +Welcome Bonus: $2,000
Cons
- –High annual fee ($150/yr)
- –No lounge access
- –No purchase protection
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.
Rewards
All Spending
2x
Cash Back pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
60,000
Cash Back/yr
Estimated Value
$600
After Fees
+$450
1st Year Value
$450
incl. welcome bonus
Breakdown
- Earn $2,000 Cash Back after $30,000 in purchases within the first 3 months, spend $7,500/mo more
- Earn $2,000 Cash Back after $500,000 in purchases within the first 12 months, spend $39,167/mo more
Additional Benefits
Fees and interest rates
- Annual Fee$150
Terms & Conditions
Card Features
- 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
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Capital One. All trademarks are property of their respective owners.