Capital One
Capital One Spark Cash Plus Review
Advertisement
Higher-spend businesses that want flat 2% cash back and no preset spending limit
Updated for 2026
Overview
The Capital One Spark Cash Plus is a business charge card that earns a flat 2% cash back on all spending with no preset spending limit. It is designed to be paid in full each month and rewards high-volume businesses with large, repeatable bonuses and a refundable annual fee.
| Annual fee | $150 (refunded each year you spend at least $150,000) |
|---|---|
| Regular APR | Pay-in-full charge card with no standard purchase APR; optional Pay Over Time balances carry a 25.74% variable APR (per NerdWallet) |
| Welcome bonus | $2,000 cash bonus after spending $30,000 in the first 3 months, plus additional bonuses for higher first-year spend (confirm current offer on issuer site) |
| Rewards | Unlimited 2% cash back on every purchase, plus 5% on hotels and rental cars booked through Capital One Business Travel |
| Recommended credit | Excellent |
Pros & cons
Pros
- Flat 2% cash back on all business spending with no caps
- Large, repeatable welcome and spend bonuses for high-volume businesses
- Annual fee is fully refundable at $150,000 in annual spend
Cons
- $150 annual fee and it is a pay-in-full charge card with limited float unless using Pay Over Time
- High spend thresholds are needed to unlock the bonuses and fee refund
Compare with similar cards
Not sure this is the one? Weigh it against other business options.
Chase Ink Business Cash
Chase Ink Business Unlimited
American Express Blue Business Cash CardSee how to apply → See all business cards
Advertiser disclosure: this page is supported by advertising and is for information only. Confirm current terms on the issuer's official site before applying.