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Capital One Spark Cash Plus Review

Last Updated on September 8, 2026

Offer Rating

4.5/ 5

By Our Content Team

Any business owners looking for a convenient and rewarding cash back card for their business should consider Capital One Spark Cash Plus, which offers unlimited cash back and a big sign up bonus.

Editor

4.5

CompareCredit Score

Current Offer
Earn $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

on Capital One's secure site

Welcome OfferEarn $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
Rewards RateUnlimited 2% Cash Back on every purchase, 5% Cash Back on hotels and rental cars booked through Capital One Business Travel
Extra PerksSpend $150,000 annually and Capital One will refund the $150 annual fee every year
Annual Fee$150
Credit Score NeededExcellent
Card Brand

Product Details

Select to apply online
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 big purchasing power so you can spend more and earn more rewards. 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 Business Travel

Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Your card is designed to be paid in full. However you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
For businesses that need large spending capacity and want to maximize cash back
Top rated mobile app

Select to apply online
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 big purchasing power so you can spend more and earn more rewards. 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 Business Travel

Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Your card is designed to be paid in full. However you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
For businesses that need large spending capacity and want to maximize cash back
Top rated mobile app

Top Rated For

Our Expert Review

Editorial Disclosure

Why We Like It

Editorial Disclosure

Offer Rating

4.5/ 5

By Our Content Team

Key Benefit

Earn unlimited cash back, and take advantage of a big sign up bonus

This unique card from Capital One is an excellent choice for any business owners looking to capitalize on their everyday purchases to earn cash rewards. The Capital One Spark Cash Plus card comes with a simple yet lucrative rewards rate of unlimited 2% Cash Back on every purchase, 5% Cash Back on hotels and rental cars booked through Capital One Business Travel. That means whether you're spending on client dinners or a big inventory purchase, you will always earn at least 2% Cash Back.

By using this card for all of your business purchases, the cash back can pile up fast, but new cardholders can also earn a big sign up bonus to kickstart their rewards. Earn $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.

Note that your card is designed to be paid in full. However you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee. Overall, the Capital One Spark Cash Plus card is a terrific choice for business owners looking for a simple and rewarding card to streamline their business purchases and earn big cash back rewards.

Pros & Cons

Pros

Unlimited cash back rewards and with no caps or expirations
Earn a big sign up bonus
Streamline your accounts payable process, employee spending, and more from your online account with free business management tools

Cons