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Card reviewCapital One
Updated Apr 14, 2026 · research
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Capital OneSpark Cash Back RewardsEditorially reviewed

Capital One Spark Cash Plus

A business cash back charge card that earns unlimited 2% cash back on every purchase, with no preset spending limit.

Mid TierBusiness
Mastercard
Credit profile: excellent
$150
Annual fee
2% back all purchases
Top rate
None
Foreign fee
N/A
Rating

Current Welcome Offer

0 bonus

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Card Offers

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Earning Rates

All Purchases
2%cash back

Unlimited 2% cash back on every purchase

Pros & Cons

Pros

  • Earns unlimited 2% cash back on all purchases with no category restrictions
  • No preset spending limit suits businesses with high or variable monthly expenses
  • No foreign transaction fees makes it useful for international business spending
  • Simple flat-rate structure eliminates the need to track bonus categories

Cons

  • $150 annual fee is not waived in the first year, requiring immediate cost justification
  • Requires excellent credit, limiting accessibility for newer business owners
  • No current welcome bonus offer reduces short-term value for new cardholders
  • As a charge card, balances must generally be paid in full, limiting payment flexibility
  • Flat 2% rate may underperform cards with higher category-specific earning rates for businesses with concentrated spending

Key Takeaways

  • Earns a flat, unlimited 2% cash back on every purchase with no exceptions or caps
  • Operates as a charge card with no preset spending limit, not a traditional revolving credit card
  • Charges a $150 annual fee that is not waived for the first year
  • No foreign transaction fees make it viable for international business use
  • Excellent credit is required, and there is currently no advertised welcome bonus

Fees

Fee TypeAmount
Annual Fee$150
Foreign Transaction Fee0%

Hidden Gems

No Preset Spending Limit for Large Purchases

Because the Spark Cash Plus is a charge card with no preset spending limit, businesses can make large or unexpected purchases without hitting a fixed credit ceiling. This flexibility can be valuable during periods of rapid growth or unplanned capital needs.

Zero Foreign Transaction Fees on Business Travel

The card charges no foreign transaction fees, which can quietly add up to meaningful savings for businesses that purchase from international vendors or send employees abroad regularly.

Truly Unlimited Flat-Rate Earning

Unlike some business cards that cap bonus rewards or rotate categories, the Spark Cash Plus earns 2% cash back on every dollar spent with no annual ceiling, making it more rewarding the more a business spends.

Frequently Asked Questions

What is the annual fee for the Capital One Spark Cash Plus?
The Capital One Spark Cash Plus charges a $150 annual fee. This fee is not waived for the first year, so cardholders are responsible for it starting with the first billing cycle.
What cash back rate does the Spark Cash Plus earn?
The card earns unlimited 2% cash back on every purchase with no category restrictions. There are no rotating categories or spending caps to manage.
Is the Capital One Spark Cash Plus a credit card or a charge card?
It is a charge card, not a traditional revolving credit card. As a charge card, it has no preset spending limit, though balances are generally expected to be paid in full.
Does the Spark Cash Plus charge foreign transaction fees?
No, the Capital One Spark Cash Plus does not charge foreign transaction fees. This makes it a practical option for business owners who make purchases internationally.
What credit score is needed to qualify for the Spark Cash Plus?
Capital One targets applicants with excellent credit for this card. Applicants with strong credit profiles are most likely to be approved.
Who is the Capital One Spark Cash Plus best suited for?
The card is designed for small business owners who prefer straightforward cash back rewards without the complexity of category tracking. It is especially useful for businesses with high or unpredictable monthly spending due to its no preset spending limit structure.
Does the Spark Cash Plus offer a welcome bonus?
Based on current publicly available information, there is no advertised welcome bonus offer for this card at this time. Prospective applicants should check the Capital One product page for any updated offers.
What reward program does the Spark Cash Plus belong to?
The card earns rewards through the Spark Cash Back Rewards program from Capital One. Rewards are earned as cash back and are tied to the card's flat-rate earning structure.
Can I use the Spark Cash Plus outside the United States?
Yes, the card is accepted wherever Mastercard is accepted globally and does not charge foreign transaction fees. This makes it a functional tool for international business expenses.
Is there a spending limit on the Capital One Spark Cash Plus?
The Spark Cash Plus has no preset spending limit as a charge card. This means purchasing power can flex based on factors such as spending habits and payment history, rather than being tied to a fixed credit limit.

About This Card

Small business owners with excellent credit who spend heavily across diverse categories and want simple, unlimited 2% cash back without managing rotating categories. It is particularly well suited for businesses that carry high or unpredictable monthly expenses and benefit from a no preset spending limit structure.

The Capital One Spark Cash Plus is a business charge card that earns unlimited 2% cash back on every purchase, every day. As a charge card, there is no preset spending limit. It is designed for small business owners who want straightforward, flat-rate cash back rewards without the complexity of category tracking.

The Spark Cash Plus stands out by combining a truly unlimited 2% flat cash back rate with no preset spending limit, a pairing that is uncommon among business cash back cards and directly addresses the needs of high-spending small businesses.

Ready to Decide?

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0 bonus with a $150 annual fee.

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Reward Program

Spark Cash Back Rewards

Earns Cash Back

Learn more

Card Categories

Business Credit CardsCash Back Credit CardsNo Foreign Transaction Fee

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