Capital One Spark Cash Plus
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The Capital One Spark Cash Plus is a business card designed for small business owners with excellent credit. It has the highest welcome bonus we’ve seen on any credit card, but you’ll need to spend $30,000 in the first three months to earn it. Another thing to note is that this is a charge card, not a credit card, so you’ll need to pay your balance in full every month. If you spend $150,000 a year on the card, you’ll get $150 refunded to you. We dive into the details and your approval odds in this Spark Cash Plus review.
Our Rating
4.8/5.0
Welcome Offer
$2,000 Cash Back
Annual Fee
$150
0% Intro on Purchases
Reward Rate
2% to 5%
0% Intro on Balance Transfers
Welcome Offer
$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
Editorial Review
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Features & Benefits
Security | EMV Chip Enabled, Zero Liability, Alerts, Virtual Card Numbers, Card Lock |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
Benefits | Extended Warranty Coverage, Choose your due date, 24/7 customer service |
Travel Perks | Roadside Assistance |
Rewards
Interest Rates & Fees
Annual Fee | $150 |
Foreign Transaction Fee | None |
Regular APR | N/A (V) APR |
What Credit Score Is Required to Get the Capital One Spark Cash Plus
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 790
Average Approved Credit Score: 790
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 11/01/2023 | Not Provided |
Pros & Cons
- Welcome offer
- No foreign transaction fee
- Up to 5% cash back
- unlimited 2% cash back
- Annual fee
- Requires good credit
- Pay your balance at the end of the month
What Are the Best Alternatives?

Ink Business Cash® Credit Card
Rating
4.8
Rewards Range
1%-5%
Annual Fee
$0

U.S. Bank Triple Cash Rewards Visa® Business Card
Rating
4.5
Rewards Range
1% - 5% Cash Back
Annual Fee
$0

Capital One Spark Cash Select
Rating
4.7
Rewards Range
1.5% - 5%
Annual Fee
$0