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Capital One Spark Cash Plus
Partner Offer

Capital One Spark Cash Plus

Our rating:4.2 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Intro Bonus
Up to $1,000 cash bonusEarn 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
Reward Rates
2%Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Balance Transfers Intro APR
N/A
Purchases Intro APR
N/A
Regular APR
N/A
Annual Fee
$150

Highlights

  • 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
  • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
  • Earn an annual $200 cash bonus every year you spend $200,000 or more
  • Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Add employee cards for free, and earn unlimited 2% cash back from their purchases
  • $150 annual fee
  • Spark Cash Plus has no APR because your balance is due in full every month

Features

  • Business
    Business
  • Cash Back
    Cash Back
  • EMV
    EMV
  • Excellent Credit
    Excellent Credit
  • Good Credit
    Good Credit
  • No Foreign Transaction Fees
    No Foreign Transaction Fees
  • Rewards
    Rewards

Staff Review

Editor's Rating:

4.2 out of 5

Our take: If you want a simple business charge card with a superb cash-back rate, you will love the Capital One Spark Cash Plus.

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All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.