Capital One Spark Cash Plus: Everything you need to know

Capital One Spark Cash Plus is a business charge card with unlimited 2% cash back, no preset spending limit (NPSL) and best-in-class business benefits, making it one of the most rewarding cards for businesses.

If you’re a high-spending business owner looking for flexibility and value, Spark Cash Plus could be a great option for investing in your business.

Spark Cash Plus provides an incredible lineup of rewards and premium benefits, including:

• Unlimited 2% cash back with no category restrictions
• The possibility of generous welcome offers and spending bonuses
• NPSL
• Elevated earn rate when you book business travel through Capital One Business Travel
• Streamlined account management tools
• Robust security features 
• A refundable $150 annual fee after spending $150,000 annually

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.

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 NPSL, your purchasing power adjusts to your needs based on your spending behavior, payment history and credit profile. 

NPSL doesn’t mean unlimited spending. Instead, unlike a traditional credit card with a fixed limit, NPSL offers added flexibility as your business spending needs evolve. And as you use the card regularly and make on-time payments, your buying power can grow alongside your business.

Spark Cash Plus can be a great choice for high-spend businesses because your $150 annual fee is refunded to you when you spend $150,000 or more annually. 

With unlimited 2% cash back, Spark Cash Plus offers significant earning potential. For example:

• Spend $100,000 annually and earn $2,000 in cash back
• Spend $250,000 annually and earn $5,000 in cash back
• Spend $500,000 annually and earn $10,000 in cash back
• Spend $5,000,000 annually and earn $100,000 in cash back

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 can streamline your accounts, pay vendor bills and manage cash flow, all on an intuitive dashboard. 

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.

Spark Cash Plus makes it easy to track your business expenses with tools like Expense Management from Capital One Business. 

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.

With Spark Cash Plus, you can issue free employee cards and designate team members as authorized users or account managers to help manage spending and account access.

Employee cards make it easier to track team spending in real time while setting individual spending limits and monitoring transactions. Plus, you’ll earn rewards on every purchase your team makes, helping you streamline expenses while staying organized and focused on growing your business.

Capital One cardholders also enjoy additional benefits like elevated travel rewards, enhanced security features and purchase protections. 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. You’ll also enjoy additional travel benefits, such as:

• $0 foreign transaction fees
• Corporate discounts on hotel rates
• Price alerts on flights that can save you an average of 15%
• The ability to book travel for yourself and your employees
• The ability to earn unlimited rewards on travel bookings
• Roadside assistance during auto emergencies while traveling
• 24/7 support from live agents
• Flexible payment options using rewards, your Spark Cash Plus card or both

If Capital One detects potentially suspicious transactions or errors on your account, you’ll receive instant notifications via text, email or phone. Spark Cash Plus also includes security features such as:

• $0 fraud liability for unauthorized purchases 
• Emergency replacement cards and cash advances if your card is lost or stolen 
• Card lock to help prevent unauthorized transactions 

You can also create free virtual cards for online purchases that help protect your account information. You can assign virtual cards by vendor, set spending limits and quickly deactivate and replace compromised cards to help reduce fraud risk. Virtual cards can remain active even if a physical card on the same account is lost or stolen.

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, along with a range of premium business benefits.

With NPSL, 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 whether you’re pre-approved before applying, without harming your personal credit score.