Capital One Spark Cash Plus
📍 Available in: US
★★★★★ 4.8 / 5.0
The Capital One Spark Cash Plus is a charge card engineered for scaling small-to-medium enterprises that spend substantial capital. Offering unlimited 2% cash back on every single business purchase with no category caps, it refunds its entire $150 annual fee every year your business spends $150,000 or more.
Key Facts at a Glance
| Cost / Fee Structure | $150 (Refunded if you spend $150k/year) |
| APR / Rate | Pay in Full Each Month (2.99% late fee) |
| Sign-Up Bonus / Match | Up to $1,200 Cash Bonus |
| Credit / Eligibility | Excellent (700+) |
Pros & Cons
✓ Pros
- ✓Simple, flat 2% cash back structure on all purchases
- ✓No credit limit constraints for large equipment or vendor payments
- ✓Free employee cards earn the same 2% cash back
✕ Cons
- ✕Must be paid in full every month (cannot carry a revolving balance)
- ✕High spend requirement for the full sign-on bonus
Key Features
Unlimited 2% Cash Back on Every PurchaseNo Pre-Set Spending Limit (Adapts to Payment History)$150 Annual Fee Refunded with $150k Annual SpendFree Unlimited Employee Cards with Custom ControlsNo Foreign Transaction Fees