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Capital One Spark Cash Plus

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Capital One Spark Cash Plus

 

Rated 4.0/5 stars by our editorial team

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  • Regular Purchase APR

    N/A

  • Intro Purchase APR

    N/A

  • Intro BT APR

    N/A

  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $150

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
  • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
  • Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
  • Earn an annual $200 cash bonus every year you spend $200,000 or more—that's enough to cover your annual fee and then some
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Add employee cards for free, and earn unlimited 2% cash back from their purchases
  • $150 annual fee
  • Spark Cash Plus has no APR because your balance is due in full every month

Card Fees

  • Foreign Transaction Fee

    None

  • Balance Transfer Fee

    N/A

  • Cash Advance Fee

    3% of the amount of the cash advance, but not less than $3


Expert Reviews

  • Regular APR

    0.0

  • Intro APR

    0.0

  • Fees

    4.0

  • Benefits

    4.0

  • Overall Rating

    4.0 /5

From the LendingTree.com Editorial Team

When it comes to small business cards, rewards can be everything. Being a small business owner can be tough, so a good card will work for you by providing the ideal combination of rewards, fees and other benefits. Unfortunately, many cards in the small business space excel in only one or two of these categories, which makes a card with a balanced (but still strong) offering all the more important. Thankfully, the Capital One Spark Cash Plus card ticks all these boxes and then some.

What impressed us most with the Capital One Spark Cash Plus card was its straightforward but powerful rewards program: cardholders will earn 2% cash back on every purchase; 5% cash back on hotels and rental cars booked through capital one travel, with no category restrictions or spending limits. In a world where most small business cards offer 1% or less in cash back, 2% unlimited absolutely stands out. It’s important to note here though that while this is a strong rate of cash rewards, there are other cards in this space that present better rates of return on purchases made in specific categories, like travel or business expenses. We feel though that the flexibility of a 2% unlimited cash back offer outweighs the potential benefits of a more restricted program: no matter where or how you use the Capital One Spark Cash Plus card, you’ll always be earning 2% cash back, no ifs, ands or buts.

This card’s solid benefits package doesn’t end with ongoing rewards. Capital One Spark Cash Plus has two tiers of one-time cash rewards available as well for new cardholders: Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening. Capital One Spark Cash Plus is a top-tier cash rewards that more than offset its $150 annual fee.

The Bottom Line

The Capital One Spark Cash Plus card is an easy recommend in the small business space for its incredible ongoing rewards, best-in-class welcome offers and ease-of-use.

The Good

The Capital One Spark Cash Plus card has an outstanding suite of welcome offers and easy-to-use cash back rewards that easily cover its relatively low annual fee.

The Not So Good

Because this card focuses on flexible cash rewards, it misses out on the more powerful single-category rewards offered by some of its competitors.


Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Capital One.

Expert Reviews of the Capital One Spark Cash Plus

  • Regular APR

    0.0

  • Intro APR

    0.0

  • Fees

    4.0

  • Benefits

    4.0

  • Overall Rating

    4.0 /5


Consumer Reviews 0 Reviews

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