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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 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 ...
Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...
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Capital One Spark Cash Plus Card
U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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
$1,200
$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. (Information collected independently. Not reviewed by Capital One.)
U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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
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 free employee cards, there is something that every business owner will love.
Card Snapshot
Welcome Bonus & Info
Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
Earn unlimited 2% cash back on every purchase, everywhere – with no limits or category restrictions
Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
Get your $150 annual fee refunded every year you spend at least $150,000 or more
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Add employee cards for free, and earn unlimited 2% cash back from their purchases
$150 annual fee
Spark Cash Plus has no APR because your balance is due in full every month
5% cash-back on hotels and rental cars purchased through Capital One Travel
No preset spending limit
Get your $150 annual fee refunded every year you spend at least $150,000
Complimentary employee cards
No foreign transaction fees
Extended warranty coverage
Payment flexibility (pick your own due date)
Cons
$150 annual fee
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, free 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 your $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 [up cc_id=335516 name="capone-spark-cash-plus-annual-fee-number"] 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 Travel.
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 industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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.
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 card 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, free employee cards, and no foreign transaction fees.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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 $1 you spend. (Information collected independently. Not reviewed by Capital One.)
The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)
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
26.24% (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)
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
Unlimited 2x miles per $1 spent on all purchases
5x miles per $1 spent on hotel and rental cars purchased through Capital One Travel
2 complimentary visits to a Capital One Lounge per year
Up to a $100 Global Entry or TSA PreCheck credit
Access to Capital One transfer partners
No foreign transaction fees
Free employee cards
Extended warranty coverage
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 on hotels and rental cars booked through Capital One Travel
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
Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One Spark Cash Select for Excellent Credit was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Information regarding the Capital One Spark Miles for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Frequently Asked Questions
The top benefits of the Capital One Spark Cash Plus card are an uncapped 2% cash-back on all purchases and 5% cash-back on hotels and rental cars purchased through Capital One Travel. Plus, get helpful perks such as no preset spending limit, free employee cards, no foreign transaction fees, and get your $150 fee refunded every year you spend at least $150,000.
The Capital One Spark Cash Plus card is a Mastercard.
The Capital One Spark Cash Plus card does not have a preset spending limit. Instead, your spending power adapts to your spending behavior, payment history, and credit profile.
Yes, the Capital One Spark Cash Plus card charges a $150 annual fee.
No, the Capital One Spark Cash Plus card does not charge foreign transaction fees.
Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.
Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.
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This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
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