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. 

Our Rating
4.8/5.0

Welcome Offer
$1,200 Cash Back

Annual Fee
$150

0% on Purchases
N/A

Reward Rate
2% to 5%

0% on Balance Transfers
N/A

Welcome Offer

$1,200 Cash Back once you spend $30,000 in the first 3 months

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

Rewards

2% cash back
On all other eligible purchases
Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions.
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.

Interest Rates & Fees

Annual Fee$150
Foreign Transaction FeeNone
Regular APRN/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 a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Denied10/08/2021
760
Equifax
---
Pros
  • Welcome offer
  • 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

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

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

Capital One Spark Cash Select for Excellent Credit
Capital One Spark Cash Select for Excellent Credit

Rating

4.7

Rewards Range

1.5% - 5%

Annual Fee

$0

Related Stories