Capital One Spark Cash Plus Review
Capital One · High-spending businesses wanting simple flat-rate rewards
4.5 / 5 (432 reviews)
Annual Fee
$150
Rewards
2% cash back on all purchases, 5% on hotels & rental cars via Capital One
Regular APR
0%
Credit Needed
Excellent (750+)
Our Expert Verdict
8/10
Editor's Score
A premium business charge card (no preset limit) earning unlimited 2% back on all purchases. The $1,200 welcome bonus is one of the most generous available for business cards. Unlike credit cards, the balance must be paid in full monthly — great for disciplined businesses with large, variable expenses.
Pros
- Unlimited 2% on all spending
- No preset spending limit
- $1,200 sign-up bonus
- No foreign transaction fees
- Annual cash bonus for heavy spenders
Cons
- $150 annual fee
- Must pay in full monthly (charge card)
- Requires excellent credit
Sign-Up Bonus
$1,200 — $500 after $5,000 in 3 months + $700 after $50,000 in 6 months
Key Benefits & Perks
No foreign transaction fees
Annual $150 cash bonus if you spend $150,000/year
No preset spending limit (charge card)
Free employee cards
Year-end summaries
Rewards Breakdown
| Category | Rate |
|---|---|
| Hotels (Capital One) | 5% |
| Rental Cars (Capital One) | 5% |
| Everything else | 2% |
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Customer Reviews
4.5
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