Capital One Spark Cash Plus

This Top Card is Perfect for High-Spending Businesses Who Want to Earn Big Time Rewards

The Capital One Spark Cash Plus is pretty much perfect if you run an established business. Spend freely with no preset limit — ideal for businesses with big expenses. Plus, earn a generous welcome bonus with no cap on how much you can earn in your first year! But that's not all this card has to offer ...

Updated November 6, 2025

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on Capital One’s website

Rates and fees

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on Capital One’s website

Rates and fees

Excellent for high flat-rate business cash back rewards

Capital One Spark Cash Plus

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4.4

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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on Capital One’s website

Rates and fees

Welcome Bonus

$2,000 Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months

Cash Bonus

Rewards Rate

2% - 5% Unlimited 2% cash back on every purchase, every day; plus unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site

Cash Back

Annual Fee

$150

Why We Like It

• Generous welcome offer with no limit on how much you could earn in your first year

• No preset spending limit, which is great for businesses than need large spending capacity and want to maximize cash back

• Free employee and virtual cards with the ability to automatically sync transaction data with your accounting software

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on Capital One’s website

Card Details

Card Details

• Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
• Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
• Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
• Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
• Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
• $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
• Spark Cash Plus has no APR because your balance is due in full every month
• For businesses that need large spending capacity and want to maximize cash back

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on Capital One’s website

Rates and fees

What You Need To Know

You might think the only way to maximize business rewards is to juggle multiple cards, track rotating categories, or constantly move expenses around. And sure, that can work. But it's not realistic for every business owner. Sometimes, you just need a powerful, straightforward way to earn rewards. With the Capital One Spark Cash Plus(Rates and fees), you earn unlimited 2% cash back on every purchase, every day; plus unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site. That means every dollar your business spends is automatically working harder for you — without hassle. Add in no foreign transaction fees and free employee cards with spending limits you control, and you've got a straightforward way to put more cash back into your business.

Benefits and perks:

• Enjoy a generous early spend bonus: Cardholders can earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months.
• Take advantage of their simple rewards program: Earn unlimited 2% cash back on every purchase, every day; plus unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site.
• Get free cards for employees: Get as many employee cards as you need at no extra cost and earn rewards for purchases they make. You also have the option to set spending limits for employee cards.
• Powerful extended protection: Visa extends the length of your manufacturer's warranty for eligible purchases made on your card.¹ <p class="">For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.<br></p>
• $0 fraud liability for unauthorized charges: With this card, you get $0 fraud liability for unauthorized charges, which offers valuable protection if your card is lost or stolen.¹ <p class="">For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.<br></p>

Recommended Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Excellent

740-850

>> Apply for the Capital One Spark Cash Plus card

Bottom Line: What Type of Business Owner is This Card Best For?

The Capital One Spark Cash Plus could be a great choice for you if:

• You have excellent credit: The Capital One Spark Cash Plus is a good choice for business owners with a credit score of 740+. 
  
• You own a business that has a lot of expenses: This card is a fantastic choice for business owners or entrepreneurs who plan to spend at least $30,000 in the first 3 months of being a cardholder. 
• You want a simple, no-fuss way to earn rewards: Unlimited 2% cash back on every purchase, every day; plus unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site

>> Click here to apply now and earn up to 5% cash back

Unlimited 2% Cash Back

Capital One Spark Cash Plus

Benefits

Card Details

• No cap on rewards
• Bonus rewards on travel booked through Capital One
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• Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
• Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
• Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
• Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
• Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
• $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
• Spark Cash Plus has no APR because your balance is due in full every month
• For businesses that need large spending capacity and want to maximize cash back

4.4

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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on Capital One’s secure website

Rates and fees

Read Card Review

Intro Offer

Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months

Annual Fee

$150

+ -

Why we like it

• The Capital One Spark Cash Plus is a strong contender for business owners wanting to earn cash back to reinvest into their business. Because it's a charge card, there's no preset spending limit, making it flexible as your business grows.

• Cardholders can request free employee cards and redeem cash back rewards at any time.

• Earn unlimited 2% cash back on every purchase, every day; plus unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site.

• Apply Now

Other Cards You Might Like:

The Capital One Spark Cash Plus is hard to beat with its powerful welcome bonus and generous rewards rate. But, if you want to consider other options, here are some contenders:

Capital One Spark Cash

5.0

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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on Capital One's secure website

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More Details +

If you're a small business owner who wants straightforward cash back on every purchase: 

The Capital One Spark Cash(Rates and fees) is a fantastic alternative for business owners who just want simple, powerful rewards and the stability of a traditional credit line. It offers consistent cash back on all purchases rather than restricting it to specific spending categories. In particular, small business owners with erratic spending that wouldn't benefit from the bonus rewards categories associated with other cards would benefit from the Capital One Spark Cash. 

This card lets you earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions; plus unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site. With this card, you'll also get free employee cards that also earn cash back, and no foreign transaction fees. The bonus for this card is also highly attainable. You could earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening — easily achievable with regular business spending. 

Click here to apply now for the Capital One Spark Cash

5.0

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Rates and fees

Capital One Spark Cash

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on Capital One's secure website

Card Details

• Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening
• For businesses that want to earn 2% cash back on all purchases with the familiarity of a traditional credit line
• Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
• $0 annual fee for the first year; $95 after that
• Free employee cards, which also earn unlimited 2% cash back on all purchases
• Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
• No foreign transaction fees

Why We Like It

If you’re a small business owner, the Capital One Spark Cash(Rates and fees) card offers you the ability to earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions; plus unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site. There’s no cap on your rewards and you don’t have to try to remember a list of applicable categories. This simplicity is a feature we love, especially because you're not sacrificing a lot in the way of rewards earning. While the card has an annual fee after the first year, it’s not high, and can quickly be recouped with regular spending.

Capital One Venture X Business

5.0

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on Capital One's secure website

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More Details +

If you're a business owner who wants a powerhouse for travel rewards:

The Capital One Venture X Business(Rates and fees) is a powerful, premium travel companion for business owners, thanks to its elevated rewards rates on flights and hotels booked through Capital One's travel booking site. This powerful hybrid card lets you earn 10X miles on hotels and car rentals booked through Capital One Business Travel, 5X miles on flights booked through Capital One Business Travel, and 2X miles on all other purchases.

Even better, you can earn 150,000 points after spending $30,000 within 3 months. Redeem miles on flights, hotels, vacation rentals, and more, with no blackout dates. Plus, transfer miles to any of their 15+ travel loyalty programs! The annual fee for this card is $395 — which could be offset by the $300 annual travel credit for bookings through Capital One's travel booking site, 10,000 anniversary bonus miles, Global Entry credit or TSA PreCheck®, access to 1,300+ airport lounges worldwide!, and top-tier rewards and redemption options. 

Click here to apply now for the Capital One Venture X Business

5.0

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Rates and fees

Capital One Venture X Business

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on Capital One's secure website

Card Details

• Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
• Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
• Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
• With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
• Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
• Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
• Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
• Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• This is a pay-in-full card, so your balance is due in full every month

Why We Like It

The Capital One Venture X Business Card offers substantial perks for business travelers at a lower annual fee than its competitors. it includes lounge access, a $300 annual travel credit, and a strong welcome offer where you can earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.

And it has an impressive earning rate — 10X miles on hotels and car rentals booked through Capital One Business Travel, 5X miles on flights booked through Capital One Business Travel, and 2X miles on all other purchases.

If you're a business traveler looking for luxury perks, this card is an excellent choice.

Ink Business Cash^® Credit Card

4.8

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on Chase's secure website

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If you own a businesses with physical locations and office expenses:

The Ink Business Cash^® Credit Card(Rates and fees) is a powerful card that transforms everyday business spending — like office supplies, telecom spending, gas, and dining — into legitimate rewards across a diverse range of expenses. Enjoy unlimited cash back with no annual fee, a fantastic intro APR to finance big purchases, and the ability to earn a fantastic welcome offer.

Cardholders can enjoy 0% intro APR for 12 months on purchases (then 17.24% - 25.24% Variable). This could be pretty useful if you're looking to make a large business purchase and need some extra time to pay it off without accruing interest. And, the Ink Business Cash^® Credit Card also comes with a generous welcome offer. You can earn $900 after you spend $6,000 on purchases in the first 3 months from account opening!

Click here to apply now for the Ink Business Cash^® Credit Card

4.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Rates and fees

Ink Business Cash^® Credit Card

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on Chase's secure website

Card Details

• Earn $900 when you spend $6,000 on purchases in the first three months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Why We Like It

If you’re a freelancer, independent contractor, or small business owner in need of a business credit card that offers valuable rewards, consider the Ink Business Cash^® Credit Card. It has no annual fee, a valuable welcome offer for new cardmembers, and rewards for common business purchases.

You don’t even need an Employer Identification Number (EIN) to apply; sole proprietors and people who run side hustles can take advantage of this card’s benefits, too.

With the Ink Business Cash card, you’ll earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. You’ll also earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.

Ink Business Unlimited^® Credit Card

4.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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on Chase's secure website

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More Details +

If your business is growing and you want no-fuss, flat-rate cash back:

The Ink Business Unlimited^® Credit Card(Rates and fees) is designed for growing business owners who want more from every dollar — and don’t want to worry about spending within specific categories. Earn unlimited 1.5% cash back on every purchase with no annual fee, and add employee cards for free to boost your earning power. Plus you can earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Another unique feature of this card is that it has a 0% intro APR for 12 months on purchases (then 17.24% - 23.24% Variable). Businesses can be expensive to get up and running, and the intro APR can help you get started on the right foot by helping you fund big purchases that help grow your business. 

Click here to apply now for the Ink Business Unlimited^® Credit Card

4.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Rates and fees

Ink Business Unlimited^® Credit Card

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on Chase's secure website

Card Details

• Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Why We Like It

The Ink Business Unlimited^® Credit Card is best for business owners who want a simple, easy-to-use rewards card. It has an easy-to-earn welcome offer, a flat rewards structure on all purchases, and an introductory APR offer on purchases that can help you save money on interest. And, there’s no annual fee.

You’ll earn a flat 1.5% cash back on every purchase you make, with no limit on how much you can earn.

If you have a major purchase coming up for your business, you can take advantage of this card’s 0% introductory APR. You get 0% intro APR on purchases for 12 months  (then 17.24% - 23.24% Variable), giving you a full year to pay down your balance without paying interest charges.

Capital One Spark Cash Plus

Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months 

Unlimited 2% cash back on every purchase, every day; plus unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site.

Rates and fees

Apply Now Rates and fees