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.
Annual Fee
$150
Top Earning Rate
2% back all purchases
Foreign Tx Fee
None
Rating
N/A
Current Welcome Offer
0 bonus
Card Offers
public
0 bonus
Earning Rates
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 Type | Amount |
|---|---|
| Annual Fee | $150 |
| Foreign Transaction Fee | 0% |
Frequently Asked Questions
What is the annual fee for the Capital One Spark Cash Plus?
What cash back rate does the Spark Cash Plus earn?
Is the Capital One Spark Cash Plus a credit card or a charge card?
Does the Spark Cash Plus charge foreign transaction fees?
What credit score is needed to qualify for the Spark Cash Plus?
Who is the Capital One Spark Cash Plus best suited for?
Does the Spark Cash Plus offer a welcome bonus?
What reward program does the Spark Cash Plus belong to?
Can I use the Spark Cash Plus outside the United States?
Is there a spending limit on the Capital One Spark Cash Plus?
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.
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Sources & Methodology
Sources & Methodology
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