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Capital One Spark Cash Plus Card – Full Review [2025]
Jarrod West
Jarrod West
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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 8 years. He earns and redeems over 1 million points per year and his work has been featured in o...
With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...
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Capital One Spark Cash Plus Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4.25
Up to $4,000+
$150
N/A
Excellent (740-850)
Capital One Spark Cash Plus Card
The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners. The information regarding this card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4.25
Summary
The Capital One Spark Cash Plus Card is great for business owners looking to improve their bottom line by earning 2% cash-back on all purchases without a high annual fee. Further, with no preset spending limit, the ability to get your $150 annual fee refunded every year you spend at least $150,000, and no-additional-fee employee cards, there is something that every business owner will love.
Card Details
Card Snapshot
Welcome Bonus & Info
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
Get your $150 annual fee refunded every year you spend at least $150,000
No foreign transaction fees
Extended warranty coverage
Payment flexibility (pick your own due date)
Cons
$150 annual fee
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1130+ Expert Credit Card Guides
Great Card If
You’d like to earn an uncapped 2% cash-back on all purchases
You want a card with helpful business features including no preset spending limit, payment flexibility, and free employee cards
You’ll spend $150,000 or more on the card each year, allowing you to get your $150 annual fee refunded every year
Don’t Get If
You want a card with no annual fee
The majority of your business expenses fall within 1 or 2 bonus categories, and you’d like a card that optimizes for those expenses
Capital One Spark Cash Plus Card — Is It Worth It?
For business owners looking to boost their bottom line, the Capital One Spark Cash Plus card is a great option thanks to its unlimited 2% cash-back on all purchases. There are very few business cards available that offer uncapped 2% cash-back on all purchases, which makes this perk even more valuable.
Plus it includes perks like roadside assistance, extended warranty coverage, no-additional-fee employee cards, no foreign transaction fees, and get your $150 annual fee refunded every year you spend at least $150,000.
Capital One Spark Cash Plus Card Top Benefits
Card Protections
Roadside Assistance: Call the number on the back of your card in the event of any auto-related emergencies, such as jump-starting, tire changing, and towing.
Extended Warranty Coverage: Items purchased with your card with extended warranties of 3 years or less receive 1 additional year of coverage.
Annual Cash Bonus
While not an automatic benefit of the card, those who spend $150,000 on the card in a calendar year will get their $150 annual fee refunded every year, in addition to the $4,000 they would have received for the card’s 2% cash-back on all purchases.
This might not seem like it moves the needle much, but if your business has the capacity for that spend anyway, then this certainly is a welcome perk. Plus, knowing you’ll meet this threshold makes it easy to mentally write off the card’s $150 annual fee.
Best Way To Earn and Redeem Cash-back Rewards
The best way to earn as much cash-back as possible with your card is to use it for all of your business expenses. This should be easy to do since you know you’ll be earning an uncapped 2% cash-back on every purchase you make, in addition to 5% cash-back on hotels and rental cars purchased through Capital One’s travel booking site.
Once you’ve earned your cash-back, you can use it to offset business expenses you put on your card at the end of each billing cycle.
Alternative Cards to the Capital One Spark Cash Plus Card
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Capital One Spark Cash Select card is a great no-annual-fee business credit card that earns 1.5% cash-back on all purchases. The information regarding this card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The Capital One Spark Cash Select card is a great no-annual-fee business credit card that earns 1.5% cash-back on all purchases. The information regarding this card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening.
$500
$0
17.49% - 23.49% Variable
Why We Like This Card
If you’re looking for an uncomplicated cash-back business card, the Capital One Spark Cash Select card might be the perfect option with its uncapped 1.5% cash-back on all purchases without an annual fee.
Pros & Cons
Pros
Unlimited 1.5% cash back on every purchase
5% cash-back on hotels and rental cars booked through Capital One’s travel booking site
Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
No annual fee
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One’s travel booking site
Rewards won’t expire for the life of the account
Redeem your cash back rewards for any amount
Free employee cards, which also earn unlimited 1.5% cash back on all purchases
$0 Fraud Liability for unauthorized charges
Financial Snapshot
APR: 17.49% - 23.49% Variable
Foreign Transaction Fees:
If you like the idea of earning cash-back rewards on all of your business purchases, but don’t like the idea of paying an annual fee, the Capital One Spark Cash Select cardInformation collected independently. Not reviewed by Capital One. is a great solution. For no annual fee, you’ll still earn an uncapped 1.5% cash-back on all purchases, and enjoy benefits including payment flexibility, no-additional-fee employee cards, and no foreign transaction fees.
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every dollar you spend. The information regarding this card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every dollar you spend. The information regarding this card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
50,000 miles
$900
$0 intro for the first year, $95 after that
25.24% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card
The Capital One Spark Miles for Business is a great option for business owners looking for an uncomplicated rewards card that earns double miles on every purchase they make and offers access to transfer partners, all for a low annual fee.
Pros & Cons
Pros
Unlimited 2x miles per dollar spent on all purchases
5x miles per dollar spent on hotels, vacation rentals, and rental cars purchased through Capital One’s travel booking site
Up to a $120 Global Entry or TSA PreCheck credit
Cons
Annual fee: $0 intro for the first year, $95 after that
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
Unlimited 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One’s travel booking site
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Receive up to a $120 credit for Global Entry or TSA PreCheck®
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles per dollar from their purchases
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