Capital One Spark Cash Plus Credit Card: Unlimited 2% Cash Back

Fuel your business growth with Capital One Spark Cash Plus Credit Card, a card that rewards every dollar.

Running a business requires precision, foresight, and financial flexibility. The Capital One Spark Cash Plus Credit Card is built with these needs in mind — offering an unlimited 2% cash back on every purchase, no annual cap on rewards, and a charge card format with no preset spending limit. If your business thrives on high-volume spending and demands maximum return without tracking categories, Spark Cash Plus might be the perfect financial partner.

Why Business Owners Trust Capital One

Capital One has built a reputation in the small-business credit space with straightforward rewards, robust security, and easy-to-use financial tools. While American Express may lead in premium travel perks and Chase offers a mix of cash back and point options, Capital One Spark cards stand out for their simplicity and consistent cash value.

With Spark Cash Plus, business owners don’t need to strategize which purchases qualify — you earn 2% back on everything, plain and simple. Compared to rotating categories or tiered systems, this offers more predictability and faster returns.

Different Types of Business Credit Cards to Consider

Before applying for Spark Cash Plus, it helps to know the types of business cards out there:

• Cash Back Business Cards: Ideal for businesses that want straightforward rewards with minimal tracking.
• Travel Rewards Business Cards: Great for companies with frequent business travel, offering miles or points.
• Low-APR or Balance Transfer Cards: Useful for those needing to carry a balance or pay off debt.
• Secured Business Cards: Tailored for startups or business owners with limited or poor credit history.
• Charge Cards (Like Spark Cash Plus): Require the balance to be paid in full each month — no revolving debt, but no preset limit either.

The Spark Cash Plus falls into the cash back + charge card hybrid category, which is uncommon but powerful for businesses with strong cash flow and high spending needs.

Inside the Spark Cash Plus: What You Get

Here’s what makes the Capital One Spark Cash Plus Credit Card one of the most compelling choices for U.S. business owners:

Unlimited 2% Cash Back on All Purchases

No rotating categories. No restrictions. Every business expense — from digital advertising to office supplies — earns a flat 2% back.

$200 Annual Bonus for Big Spenders

Spend $200,000 or more per year, and you’ll receive an annual $200 cash bonus on top of your unlimited rewards.

Welcome Bonus That Starts You Strong

New cardholders can earn a $1,200 cash bonus after spending $30,000 in the first 3 months — an industry-leading offer for large-scale businesses.

No Preset Spending Limit

Unlike traditional credit cards, this charge card doesn’t set a fixed limit, making it ideal for growing businesses that experience variable monthly expenses. (Note: spending power adjusts based on business performance and payment history.)

No Foreign Transaction Fees

Whether you’re traveling abroad or sourcing materials internationally, you won’t pay any foreign transaction fees — saving you money with every purchase.

Annual Fee: $150

Though not waived in the first year, the flat annual fee can easily be offset by the unlimited rewards and welcome bonus for businesses with moderate to high spending.

How the Spark Cash Plus Affects Your Credit

Unlike traditional business credit cards, Spark Cash Plus reports to commercial credit bureaus, not personal ones (unless the account defaults). This makes it an excellent tool for building your business credit profile, which is essential for securing loans, leases, and future credit products.

That said, because it’s a charge card, you’re required to pay your balance in full each month — meaning it won’t help build a personal credit utilization ratio. But for responsible business owners, it’s a disciplined and powerful financial instrument.

How to Apply for the Capital One Spark Cash Plus Credit Card

Applying for the Spark Cash Plus Credit Card is simple and fully online. Here’s how to get started:

1. Visit the Capital One website and navigate to the Spark Cash Plus product page.
2. Click “Apply Now” to begin the secure application process.
3. Enter your business information, including legal name, address, tax identification number (EIN or SSN), annual revenue, and monthly expenses.
4. Provide your personal details, such as your full name, date of birth, Social Security number, and income.
5. Review and submit your application. In most cases, you’ll receive an instant decision. If additional review is needed, Capital One will follow up via email or phone.

Once approved, you’ll receive your Spark Cash Plus card by mail and can start earning 2 percent cash back on every business purchase immediately.

Final Thoughts: Is This the Right Card for Your Business?

Choose the Capital One Spark Cash Plus Credit Card if:

• You want unlimited, easy-to-track rewards with no caps.
• You spend significantly on business expenses each month and can pay your balance in full.
• You’re looking to build or grow your business credit.
• You want a generous welcome bonus without jumping through hoops.

With its blend of simplicity, flexibility, and power, Spark Cash Plus is a premium tool for serious business owners — and it puts every dollar you spend back to work for your company.