Spark Cash Plus: Everything you need to know

Does your business need more buying power? Are you ready to turn everyday spending into serious rewards? The Capital One Spark Cash Plus card delivers exactly that—along with best-in-class benefits and features designed to help support your business’s growth. With unlimited 2% cash back and some of the biggest bonuses Capital One offers, it’s one of the most rewarding cards for businesses.

If you’re a high-spending business owner looking for simplicity and value, Spark Cash Plus could be the perfect option. With no preset spending limit, the Capital One Spark Cash Plus card provides the flexibility and confidence you need to invest in your business.

What you’ll learn:

• The Spark Cash Plus card offers unlimited 2% cash back on every purchase with no restrictions, along with some of the biggest bonuses Capital One has ever offered.

• Spark Cash Plus is a flat-rate cash back rewards card that provides straightforward rewards for businesses looking to maximize their spending without category restrictions. 

• Spark Cash Plus gives businesses the purchasing power and flexibility they need, all without a preset spending limit.

• With Spark Cash Plus, business owners can access account management and security features to support them as they grow.

Spark Cash Plus provides an incredible lineup of rewards, premium benefits and some of the biggest cash bonuses Capital One has ever offered. With our Best Offer Ever, you can earn $4,000 or more in cash bonuses during your first year. You’ll earn $2,000 for every $500,000 you spend—plus the $2,000 welcome bonus when you spend $30,000 in the first 3 months.

The rewards are just the beginning. With no preset spending limit, Spark Cash Plus adapts to your business needs based on your spending behavior and credit profile. Combine that with streamlined account management and robust security features to help ensure your business runs smoothly and securely. Plus, the $150 annual fee is refunded after spending $150,000 annually, making this card a great choice for high-spending companies.

Capital One Business cards offer a diverse range of business rewards designed to make every trip and every purchase more rewarding. Take a look at how Spark Cash Plus compares to other Capital One business cards.

Here’s a closer look at some of the top-notch rewards that Spark Cash Plus cardholders enjoy.

Spark Cash Plus comes with the most lucrative bonuses Capital One has to offer. An attractive welcome bonus allows you to maximize rewards right from the start—you’ll earn a $2,000 cash bonus when you spend $30,000 in the first 3 months. Plus, you can unlock an additional $2,000 bonus for every $500,000 spent in the first year, which can be a great way to supercharge your first-year rewards.

Cardholders earn unlimited 2% cash back at a flat rate on every purchase, everywhere—with no limits or category restrictions. So if you’re a business owner who values simplicity and flexibility in rewards, this card delivers.

Spark Cash Plus empowers you to make big-ticket purchases that move your business forward. With no preset spending limit, it adjusts to your needs based on your spending behavior, payment history and credit profile. Just remember: Like any charge card, you’ll want to pay your balance in full every month.¹

“My Capital One card is a great fit for our small business because there is no preset limit and at times we do have to order larger amounts of materials. It is also easy to manage the employee cards with preset spending limits.” ‒ Capital One small-business customer

With Spark Cash Plus, you have the potential to enjoy a premium card at no extra cost. That’s because the $150 annual fee is refundable when you spend at least $150,000 annually.

Between our Best Offer Ever—earn a $2,000 cash bonus when you spend $30,000 in the first 3 months—and unlimited 2% cash back, there is significant earning potential in your first year. Here are some examples²:

• With $100,000 in annual spend, you’d earn $4,000 in total cash back.

• At $250,000 in annual spend, you’d earn $7,000 in cash back.

• At $500,000 in annual spend, you’d earn $14,000, which includes the extra $2,000 for reaching $500,000.

• With $5,000,000 in annual spend, your total cash back would equal $122,000.

Designed to support your business as it grows, Spark Cash Plus offers features that help streamline your operations. Here’s how:

Manage your accounts payable process more efficiently by connecting your Capital One Business account to our Accounts Payable service. You’ll enjoy access to an intuitive dashboard, where you can streamline your accounts, pay vendor bills and manage cash flow. Plus, you’ll earn rewards when you use your Spark Cash Plus card for vendor payments—even with vendors that don’t typically accept cards.³

Spark Cash Plus makes it easy to stay on top of your business expenses. You’ll get itemized spending reports and year-end summaries to simplify tax time, plus smart tools like AutoPay and the option to set your own monthly due date—so you can stay in control of your account.

Add employees as authorized users and give them their own card at no extra cost. You’ll earn rewards on every purchase your team makes while setting individual spending limits and monitoring their transactions in real time. It’s a smarter way to streamline expenses while staying organized and focused on growing your business.

Capital One cardholders enjoy additional benefits like elevated travel rewards, enhanced security features and more. Here are just a few of the extra advantages you can expect with Spark Cash Plus:

Spark Cash Plus cardholders earn 5% cash back on hotels and rental cars booked through Capital One Business Travel. That’s separate from the unlimited 2% cash back rewards that never expire for the life of your account. You’ll also enjoy additional travel benefits, such as:

• $0 foreign transaction fees

• Roadside assistance to help during auto emergencies while you’re traveling

• The best prices on thousands of trip options that can be paid with rewards, your Spark Cash Plus card or both

If Capital One detects potential suspicious transactions or errors on your account, you’ll receive instant notifications via text, email or phone. Plus, Spark Cash Plus cardholders enjoy added layers of protection and $0 fraud liability for unauthorized purchases.⁴ For example, if your card—or an employee’s card—is lost or stolen:

• Capital One will send an emergency replacement card and a cash advance—if needed. 

• Once enabled, the card lock feature immediately freezes the lost or stolen card and prevents unauthorized transactions. 

Another security benefit of Spark Cash Plus is free virtual card numbers for online purchases that enhance your security online and reduce your business’s fraud risk.

Some purchases made with your card may qualify for free additional warranty coverage to help protect your business investments. So if an important piece of equipment fails, you’ll have peace of mind knowing you’re protected—and can file a claim with ease.

Capital One Spark Cash Plus offers serious rewards, like unlimited 2% cash back on every purchase and the ability to earn even more in your first year with a welcome bonus and a spending bonus.

With no preset spending limit, the Spark Cash Plus card gives established businesses and those ready to scale the flexible purchasing power they need to grow. If you’re ready to take the next steps, check out the Spark Cash Plus card today. You can even see if you’re pre-approved before applying, without harming your credit.