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Capital One Spark Cash Plus
Capital One Spark Cash Plus Review
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.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all credit cards available in the marketplace.
Capital One Spark Cash Plus
SIGN-UP BONUS
$2000 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
REWARDS RATE
Earn 2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel
Rewards Rate
Earn 2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel
Sign-Up Bonus
$2000 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
APR
See Terms
Annual Fee
$150
Card Brand
Visa®
Recommended Credit Score
ExcellentHighlights
- 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 Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply
- For businesses that need large spending capacity and want to maximize cash back
Additional Info
Foreign Transaction Fee
None
Balance Transfer Fee
Balance transfers are not available on Spark Cash Plus
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on Nov 12, 2024
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 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: $2000 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. Capital One Spark Cash Plus is a top-tier cash rewards that more than offset its $150 annual fee.
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.
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.
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.
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How LendingTree Gets Paid
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all credit cards available in the marketplace.
Apply Now
on Bank of America's secure site
Sign-Up Bonus
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
Flexible Redemption
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
Rewards Rate
1.5 points per $1 spent on all purchases.
See Our Review
Apply Now
on Discover's secure site
0% Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 18.74% - 27.74% Variable APR.
Rewards Rate
5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
Sign-Up Bonus
Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
See Our Review
Apply Now
on Bank of America's secure site
Sign-Up Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APRs
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.74% - 28.74% Variable APR on purchases and balance transfers will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
Rewards Rate
1.5% cash back on all purchases.
See Our Review