Capital One Spark Cash Plus
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.
4.8/5.0
1000
$150
None
2% to 5%
None
Welcome Offer
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.Features & Benefits
Security | EMV Chip Enabled, Fraud Monitoring, 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 | Airport Lounge Access, Roadside Assistance |
Rewards
Interest Rates & Fees
Annual Fee | $150 |
Foreign Transaction Fee | None |
Regular APR | none because balance is paid in full every month (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 a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | Equifax | |||
Denied | 10/08/2021 | Equifax |
- 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
4.9
Rewards Range
1%-5%
Annual Fee
$0

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Rating
4.8
Rewards Range
1% - 5% Cash Back
Annual Fee
$0

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