{"id":147664,"date":"2026-04-08T18:10:01","date_gmt":"2026-04-08T18:10:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=147664"},"modified":"2026-04-10T17:27:25","modified_gmt":"2026-04-10T17:27:25","slug":"capital-one-spark-cash-plus","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/cash-back\/capital-one-spark-cash-plus\/","title":{"rendered":"Capital One Spark Cash Plus Card Review: Unlimited 2% Earnings, Massive Sign-Up Bonus"},"content":{"rendered":"<p>The <a data-ccid=\"4048264\" href=\"\/blog\/link\/CR-CapitalOneSparkCashPlus\" rel=\"noopener nofollow sponsored\">Capital One Spark Cash Plus<\/a> is an intriguing product for high spending businesses wanting a card with straightforward rewards and a solid 2% cash back return on every purchase.<\/p>\n<p>With no preset spending limit, the key difference of this card from a traditional credit card is adapting dynamically to your business needs, based on your annual spending habits, payment history, and credit profile, rather than giving a fixed, pre-approved amount. For businesses with large expenses, this flexibility and a solid cash-back return on spending \u2013 without caps or category restrictions \u2013 can give business owners great purchasing power.<\/p>\n<p data-pm-slice=\"1 1 []\">The card also has a lower annual fee than many comparable small-business cards. But is the Spark Cash Plus the right card for you? Let's take a closer look.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048264\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One Spark Cash Plus<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/cc308a03-f10d-4b35-8aec-c22591052b67.png\" width=\"150\" alt=\"Capital One Spark Cash Plus\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a data-ccid=\"4048264\" class=\"btn-use qs-how-apply\" title='Capital One Spark Cash Plus' href=\"\/blog\/link\/CR-CapitalOneSparkCashPlus\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> 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<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One Spark Cash Plus<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> 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<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$150<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Capital One Spark Cash Plus offers unlimited 2% cash back on every purchase, making it ideal for businesses with diverse spending needs. This card has no preset spending limit and no foreign transaction fees, offering flexibility and simplicity for businesses on the go.<\/div><div class=\"qs-tab-hl\"><ul><li>Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months<\/li><li>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!<\/li><li>Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>2% Cash Back on every purchase. 5% Cash Back on hotels and rental cars booked through Capital One Business Travel.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SparkCashPlus\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-140f3652aa#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Spark_Cash_PlusPros\">Spark Cash Plus\u00a0Pros<\/a><\/li><li><a href=\"#Spark_Cash_Plus_Cons\">Spark Cash Plus Cons<\/a><\/li><li><a href=\"#Spark_Cash_PlusWelcome_Bonus\">Spark Cash Plus\u00a0Welcome Bonus<\/a><\/li><li><a href=\"#Spark_Cash_PlusEarning_Rates\">Spark Cash Plus\u00a0Earning Rates<\/a><\/li><li><a href=\"#Redeeming_Cash_Back_With_the_Spark_Cash_Plus\">Redeeming Cash Back With the Spark Cash Plus<\/a><\/li><li><a href=\"#Spark_Cash_Plus_Benefits\">Spark Cash Plus Benefits<\/a><ul><li><a href=\"#No_preset_spending_limit\">No preset spending limit<\/a><\/li><li><a href=\"#No_foreign_transaction_fees\">No foreign transaction fees<\/a><\/li><li><a href=\"#Free_employee_cards\">Free employee cards<\/a><\/li><li><a href=\"#Annual_fee_refund\">Annual fee refund<\/a><\/li><li><a href=\"#Cardholder_protections\">Cardholder protections<\/a><\/li><li><a href=\"#Access_to_Capital_One_Business_Travel\">Access to Capital One Business Travel<\/a><\/li><\/ul><\/li><li><a href=\"#Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/a><\/li><li><a href=\"#Cards_That_Compete_With_the_Spark_Cash_Plus\">Cards That Compete With the Spark Cash Plus<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Spark_Cash_PlusPros\">Spark Cash Plus\u00a0Pros<\/span><\/h2>\n<ul>\n<li>Unlimited 2% Cash Back on every purchase.<\/li>\n<li>5% cash back on hotels and rental cars booked through Capital One Business Travel.<\/li>\n<li>No caps or complicated bonus categories.<\/li>\n<li>No foreign transaction fees.<\/li>\n<\/ul>\n<h2><span id=\"Spark_Cash_Plus_Cons\">Spark Cash Plus Cons<\/span><\/h2>\n<ul>\n<li>$150 annual fee eats into your cashback return if you don't spend at least $150,000.<\/li>\n<li data-pm-slice=\"1 1 [&quot;bulletList&quot;,{&quot;id&quot;:&quot;d6557221-ba7b-435b-b0eb-a41d0af0e61d&quot;},&quot;listItem&quot;,{}]\">High spending requirement to earn the full welcome bonus.<\/li>\n<li>Only earns cash back &#8212; unless you hold another Capital One miles-earning card.<\/li>\n<li>Must pay the full balance every month or incur late fees.<\/li>\n<\/ul>\n<h2><span id=\"Spark_Cash_PlusWelcome_Bonus\">Spark Cash Plus\u00a0Welcome Bonus<\/span><\/h2>\n<p data-pm-slice=\"1 1 []\">For account opening, the <a data-ccid=\"4048264\" href=\"\/blog\/link\/CR-CapitalOneSparkCashPlus\" rel=\"noopener nofollow sponsored\">Spark Cash Plus<\/a> offers new applicants 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.<\/p>\n<p data-pm-slice=\"1 1 []\">You'll notice this is a hefty amount of spending in a short amount of time to earn the bonus, which is why we only recommend this card to businesses with higher spending behavior.<\/p>\n<figure id=\"attachment_132900\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-132900 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Tom-Official-Unsplash-small-business-featured.png\" alt=\"a customer pays at the cashier in a small store selling beautify products\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Tom-Official-Unsplash-small-business-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Tom-Official-Unsplash-small-business-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Tom-Official-Unsplash-small-business-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Tom-Official-Unsplash-small-business-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Tom Official\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Spark_Cash_PlusEarning_Rates\">Spark Cash Plus\u00a0Earning Rates<\/span><\/h2>\n<p>The <a data-ccid=\"4048264\" href=\"\/blog\/link\/CR-CapitalOneSparkCashPlus\" rel=\"noopener nofollow sponsored\">Spark Cash Plus<\/a> earns a flat rate of 2% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Business Travel.<\/p>\n<p data-pm-slice=\"1 1 []\">There are no limits to the amount of cash back you can receive each year and no categories to track each quarter. That makes it a simple card to use for everyday spending and business purchases.<\/p>\n<h2><span id=\"Redeeming_Cash_Back_With_the_Spark_Cash_Plus\">Redeeming Cash Back With the Spark Cash Plus<\/span><\/h2>\n<p>Redeeming the cash back you have earned is very straightforward. Simply choose to redeem it as a statement credit toward your balance or a check in the mail. Cash back never expires and can be redeemed in any amount as long as your account is active.<\/p>\n<p data-pm-slice=\"1 1 []\">The rewards earned with the <a data-ccid=\"4048264\" href=\"\/blog\/link\/CR-CapitalOneSparkCashPlus\" rel=\"noopener nofollow sponsored\">Spark Cash Plus<\/a> aren't directly transferable to Capital One travel partners, but if you also carry a Capital One card that earns miles, you can unlock an additional redemption option. Capital One allows you to <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/convert-cash-back-to-miles\/\" rel=\"noopener\">combine the rewards<\/a> earned on the cash-back card with the miles earned on the other card and transfer to one of the\u00a022 <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/capital-one-transfer-partners\/\" rel=\"noopener\">Capital One transfer partners<\/a> &#8212; mostly at a 1:1 transfer ratio.<\/p>\n<figure id=\"attachment_115411\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-115411 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/Cathay-Pacific-business-class-featured.jpg\" alt=\"A woman sitting in Cathay Pacific business class\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/Cathay-Pacific-business-class-featured.jpg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/Cathay-Pacific-business-class-featured-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/Cathay-Pacific-business-class-featured-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/Cathay-Pacific-business-class-featured-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Cathay Pacific<\/em><\/enter><\/figure>\n<h2><span id=\"Spark_Cash_Plus_Benefits\">Spark Cash Plus Benefits<\/span><\/h2>\n<p>The <a data-ccid=\"4048264\" href=\"\/blog\/link\/CR-CapitalOneSparkCashPlus\" rel=\"noopener nofollow sponsored\">Spark Cash Plus<\/a> is pretty lean on benefits. However, there are a few worth noting:<\/p>\n<h3><span id=\"No_preset_spending_limit\">No preset spending limit<\/span><\/h3>\n<p>One thing that sets this card apart from many other business cards is that it's a charge card rather than a typical credit card. This means there is no preset spending limit, which in turn means it could be a good fit for businesses that regularly have very high spending.<\/p>\n<p>This doesn't mean you have unlimited spending power; instead, it means you aren't beholden to a traditional credit limit. Your spending ability adapts over time.<\/p>\n<p>On the other hand, you must pay your bill in full every month, or you will incur a late fee of 2.99% of the unpaid portion of your monthly statement amount. This is different from a typical credit card, which has an interest rate that accrues daily if your balance isn't paid, and only the minimum payment must be met each month to keep your account in good standing.<\/p>\n<h3><span id=\"No_foreign_transaction_fees\">No foreign transaction fees<\/span><\/h3>\n<p>Business owners who regularly travel abroad can swipe the Spark Cash Plus for purchases without worrying about extra fees. That's because the card has no foreign transaction fees.<\/p>\n<h3><span id=\"Free_employee_cards\">Free employee cards<\/span><\/h3>\n<p data-pm-slice=\"1 1 []\">You can add employee cards at no additional cost and earn cash back from the purchases made on their cards. Furthermore, you can set individual spending limits to ensure no one charges more than you've allowed. This benefit is especially useful for businesses managing multiple employees and their purchases.<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_119165\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-119165 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Thgusstavo-Santana-Pexels-small-business-featured.jpg\" alt=\"barbers cutting hair inside a small barber shop\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Thgusstavo-Santana-Pexels-small-business-featured.jpg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Thgusstavo-Santana-Pexels-small-business-featured-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Thgusstavo-Santana-Pexels-small-business-featured-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Thgusstavo-Santana-Pexels-small-business-featured-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Thgusstavo Santana\/Pexels<\/em><\/enter><\/figure>\n<h3><span id=\"Annual_fee_refund\">Annual fee refund<\/span><\/h3>\n<p>Another benefit for businesses that do sizable spending is that if you spend $150,000 or more on purchases, you'll receive a refund of your $150 annual fee on the card. This benefit is available each year and is based on the cardmember's anniversary date, not the calendar year.<\/p>\n<h3><span id=\"Cardholder_protections\">Cardholder protections<\/span><\/h3>\n<p data-pm-slice=\"1 1 []\">Cardholders enjoy additional benefits, such as $0 fraud liability, year-end summaries, virtual card numbers, extended purchase warranty, roadside assistance, and fraud and security alerts.<\/p>\n<h3><span id=\"Access_to_Capital_One_Business_Travel\">Access to Capital One Business Travel<\/span><\/h3>\n<p data-pm-slice=\"1 1 []\">The <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/capital-one-travel-portal\/\" rel=\"noopener\">Capital One Business Travel portal<\/a> is an easy-to-use website that helps you find and book travel. It offers a huge selection of flights, hotels, rental car options, and more. The Spark Cash Plus lets you access the portal to find lower travel prices.<\/p>\n<p>If you wish, you can apply the cash back earned from the card to cover travel expenses in the travel portal.<\/p>\n<h2><span id=\"Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/span><\/h2>\n<p>Capital One can be a bit stingy with approvals if you've recently opened a lot of credit cards or have many inquiries in your credit report, so it's wise to space out other applications or take a card application break for a few months before applying.<\/p>\n<p>While Capital One's business credit cards tend to report to your personal credit report, its business charge cards don't \u2014 so long as the account remains in good standing. Because this is a charge card, it won't affect your <a target=\"_blank\" href=\"\/credit-cards\/chase-5-24-rule\/\" rel=\"noopener\">5\/24 status<\/a> with Chase.<\/p>\n<p>Additionally, there are some further <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">Capital One application rules<\/a> to be aware of:<\/p>\n<ul>\n<li>You can't have more than five total Capital One personal cards, but this limit doesn't seem to apply to business cards.<\/li>\n<li>You can only open one Capital One card within six months.<\/li>\n<li>Capital One will likely pull your credit report from all three major credit bureaus.<\/li>\n<\/ul>\n<h2><span id=\"Cards_That_Compete_With_the_Spark_Cash_Plus\">Cards That Compete With the Spark Cash Plus<\/span><\/h2>\n<p>If the <a data-ccid=\"4048264\" href=\"\/blog\/link\/CR-CapitalOneSparkCashPlus\" rel=\"noopener nofollow sponsored\">Spark Cash Plus<\/a> isn't a fit for your business, consider these options instead:<\/p>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-chase\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/0a1a73c8-b137-4393-9ef9-2437b08b5b2b.png\" width=\"150\" alt=\"Capital One Spark Cash Select\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One Spark Cash Select<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening<\/div><\/div><div class=\"compare-apply\"><a data-ccid=\"3006153\" class=\"btn-use qs-how-apply\" title='Capital One Spark Cash Select' href=\"\/blog\/link\/CR-SparkCashSelectforBusiness\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--6\"><strong>Credit Score<\/strong><p>Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>1.5% cashback on every purchase<\/li>\r\n<li>5% cash back on hotels and rental cars booked through Capital One Business Travel<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/08\/CardArt-CapitalOneSparkMiles.png\" width=\"150\" alt=\"Capital One Spark Miles for Business\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One Spark Miles for Business<\/div><div class=\"compare-offer\">This card is no longer available to new applicants.<\/div><\/div><div class=\"compare-apply\"><a class=\"qs-learn-more\" data-ccid=\"265\" target=\"_blank\" href=\"\/blog\/cards\/SparkMiles\">Learn More<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<\/p><\/div><div class=\"compare-rating compare-rating--0\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>2X miles per dollar on every purchase, everywhere, no limits or category restrictions<\/li>\r\n<li>5X miles per dollar on purchases through Capital One Entertainment<\/li>\r\n<li>5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/05\/CardArt-InkBusinessPremierCreditCard.png\" width=\"150\" alt=\"Ink Business Premier\u00ae Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Ink Business Premier<sup>\u00ae<\/sup> Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Premier\u00ae Credit Card' data-ccid=\"5048295\" href=\"\/blog\/link\/InkBusinessPremierCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$195<span class=\"compare-terms\"><a data-ccid=\"5048295\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=2014317.10005859&type=3&u1=5f0ad4d865a7675b6d132b094d783f18&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Good, Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>5% cash back on travel purchases through the Chase Travel\u2120 portal<\/li>\r\n<li>2.5% cash back on purchases of $5,000 or more<\/li>\r\n<li>2% cash back on all other purchases<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<ul>\n<li><b>If you want a Capital One business card with no annual fee, <\/b>consider the <a data-ccid=\"3006153\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/spark-cash-select\/\">Capital One Spark Cash Select<\/a>. This card earns 1.5% cash back on everyday spending. If your business spends less than $30,000 annually on a credit card, you won't earn enough cash back to justify the Spark Cash Plus Card's annual fee and should get the Spark Cash Select instead.<\/li>\n<li><strong>If you want a Capital One business card that earns flexible miles instead of cash back,<\/strong> look into the <a data-ccid=\"265\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/spark-miles\/\">Capital One Spark Miles for Business<\/a>. You'll pay a $95. The card offers an unlimited 2x miles on everyday spending, and you can use these with 22 airline and hotel programs or redeem in the travel portal at 1\u00a2 apiece, as well as redeem them as a statement credit. Cardholders can also enjoy a credit to cover their Global Entry or TSA PreCheck application fee.<\/li>\n<li><b>If you want a business card with more cash back on large purchases,\u00a0<\/b>the <a data-ccid=\"5048295\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/chase-ink-business-premier\/\">Ink Business Premier<sup>\u00ae<\/sup> Credit Card<\/a>  (<a data-ccid=\"5048295\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=2014317.10005859&type=3&u1=5f0ad4d865a7675b6d132b094d783f18&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) might be right for you. It also has no preset spending limit. Cardholders also earn at least 2% cash back on purchases, but earn 2.5% cash back on purchases of $5,000 or more. The card also offers a wide range of travel and shopping protections for your purchases.<\/li>\n<\/ul>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>The <a data-ccid=\"4048264\" href=\"\/blog\/link\/CR-CapitalOneSparkCashPlus\" rel=\"noopener nofollow sponsored\">Spark Cash Plus<\/a> is a good fit for businesses with a high spending pattern that don\u2019t want to worry about specific earning categories. As a pay in full card with no preset limit, it adapts based on your spending pattern and other factors, making it especially useful for companies with significant business purchases. Every time you swipe this card, you know you\u2019re earning rewards at a rate of at least 2% Cash Back on every purchase.<\/p>\n<p data-pm-slice=\"1 1 []\">Other cards might offer a better return if you invest time in learning rotating categories or maximizing transfer partners for outsized value. However, not everyone wants to spend the time and effort to accomplish that. For these business owners, the straightforward earning structure, combined with the potential to earn a massive welcome bonus, can make the Spark Cash Plus a winner in the right circumstances.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048264\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One Spark Cash Plus<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/cc308a03-f10d-4b35-8aec-c22591052b67.png\" width=\"150\" alt=\"Capital One Spark Cash Plus\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a data-ccid=\"4048264\" class=\"btn-use qs-how-apply\" title='Capital One Spark Cash Plus' href=\"\/blog\/link\/CR-CapitalOneSparkCashPlus\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> 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<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One Spark Cash Plus<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> 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<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$150<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Capital One Spark Cash Plus offers unlimited 2% cash back on every purchase, making it ideal for businesses with diverse spending needs. This card has no preset spending limit and no foreign transaction fees, offering flexibility and simplicity for businesses on the go.<\/div><div class=\"qs-tab-hl\"><ul><li>Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months<\/li><li>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!<\/li><li>Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>2% Cash Back on every purchase. 5% Cash Back on hotels and rental cars booked through Capital One Business Travel.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SparkCashPlus\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-140f3652aa#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Capital One Spark Cash Plus is a good option for high-spending businesses. There is no need to focus on bonus spending categories since all purchases earn at least 2% cash back. But is this card with no preset spending limit the right option for your business?<\/p>\n","protected":false},"author":70,"featured_media":148161,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12657,12787,12620],"coauthors":[36392,36466],"class_list":["post-147664","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-business","tag-capital-one","tag-card-reviews"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/147664","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/70"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=147664"}],"version-history":[{"count":31,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/147664\/revisions"}],"predecessor-version":[{"id":257869,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/147664\/revisions\/257869"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/148161"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=147664"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=147664"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=147664"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=147664"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}