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You are here: Home / Credit Cards / Capital One Spark Cash Plus

Capital One Spark Cash Plus

August 18, 2022 by Matthew Chaffin

The Capital One Spark Cash Plus is a business card designed for small business owners with excellent credit. This is a charge card, not a credit card, so you’ll pay off your balance every month. There’s also a signup bonus and 2% cash back with no limits on rewards. 

Capital One Spark Cash Plus
Learn More
Our Rating
4.8/5.0
Welcome Offer
$500
Annual Fee
$150
0% on Purchases
None
Rewards Rate
2% to 5%
0% on Balance Transfers
None

Rewards

5% cash back
Hotels
Earn unlimited 5% cash back on hotels booked through Capital One Travel.
5% cash back
Rental Cars
Earn unlimited 5% cash back on rental cars booked through Capital One Travel.
2% cash back
On all other purchases
Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions.

Signup Bonus

Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening.

Pros & Cons

Pros
  • Welcome bonus
  • No foreign transaction fee
  • Up to 5% cash back
  • unlimited 2% cash back
Cons
  • Annual fee
  • Requires good credit
  • Pay your balance at the end of the month

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Virtual Card Numbers, Card Lock
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsExtended Warranty Coverage, Choose your due date, 24/7 customer service
Travel PerksAirport Lounge Access, Roadside Assistance

Interest Rates & Fees

Annual Fee$150
Foreign Transaction FeeNone
Regular APRnone because balance is paid in full every month (V) APR

What Credit Score Is Required to Get the Spark Plus

Based on data we’ve collected from public forums, a credit score of 780 or higher is ideal. But keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.

App StatusDateCredit ScoreBureauCredit Limit
Approved
Equifax
---
Denied10/08/2021
760
Equifax
---

What Are the Best Alternatives?

Ink Business Cash® Credit Card
Ink Business Cash® Credit Card

Rating

4.9

Rewards Range

1%-5%

Annual Fee

$0

Read Review
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Rating

4.8

Rewards Range

1% - 5% Cash Back

Annual Fee

$0

Read Review
Capital One Spark Cash Select - $500 Cash Bonus
Capital One Spark Cash Select - $500 Cash Bonus

Rating

4.7

Rewards Range

1.5% - 5%

Annual Fee

$0

Read Review

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Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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