Capital One Spark Cash Plus
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 purchasing power that adapts to your business. 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 Travel. Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease. $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.
Nav's Verdict
Cost
HighLow
Effort to Apply
DifficultEasy
Card Perks
PoorGood
Features
PoorGood
8/10
Bottom Line
A great choice for those who prefer cash back over travel rewards, with no limits or category restrictions, but balance is due in full each month.
Pros
Earns cash back on all purchases.
Cons
High annual fee and balance is due in full every month.
Features & Benefits
Fraud Coverage
$0 Fraud Liability for unauthorized charges
Rates and Fees
Intro APR
N/A
Purchase APR
N/A
Annual Fee
$150
Welcome Offer
$2000 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 and 5% Cash Back on hotels and rental cars booked through Capital One Travel.
Foreign Transaction Fee
None
Reviews
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