Capital One
Capital One Spark Cash Plus Review
Higher-spend businesses that want flat 2% cash back and no preset spending limit
Updated for 2026
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See how to apply →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 |
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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
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Advertiser disclosure: this page is supported by advertising and is for information only. Confirm current terms on the issuer's official site before applying.