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Capital One Spark Cash Plus Review

Last Updated on May 13, 2026

Offer Rating

4.5/5

By Our Content Team

EDITOR

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 2% Cash Back on every purchase, 5% Cash Back on hotels and rental cars booked through Capital One Business Travel, and comes with a big sign up bonus.

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Capital One Spark Cash Plus card art Rates & Fees

Capital One Spark Cash Plus

4.5 BCC Score
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on Capital One's secure site

Welcome 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
Rewards Rate
2% Cash Back on every purchase, 5% Cash Back on hotels and rental cars booked through Capital One Business Travel
Intro APR
N/A, then N/A
Annual Fee
$150
Credit Score Needed
Excellent
Card Brand
Visa®
  • 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
  • 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
  • Top rated mobile app

Review additional details for Capital One Spark Cash Plus

More Info

Pros

  • Unlimited cash back rewards and with no caps or expirations
  • Earn a big sign up bonus
  • Enjoy the flexibility and convenience of a charge card

Cons

  • No intro APR on purchases or balance transfers. Balance transfers are not available on Spark Cash Plus.
  • There is an annual fee of $150

OUR EXPERT REVIEW

Why We Like It

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.

Since Capital One Spark Cash Plus is a charge card, there is no preset spending limit, which gives you added flexibility to adapt to your business needs. Another important thing to note is that there is no standard APR, and you will need to pay your balance in full before the due date each month. 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
  • Enjoy the flexibility and convenience of a charge card

Cons

  • No intro APR on purchases or balance transfers. Balance transfers are not available on Spark Cash Plus.
  • There is an annual fee of $150

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