Why $500K+ annual revenue businesses choose Spark Cash Plus

If your business revenue has grown past $500,000 per year, there’s a good chance your expenses and goals have shifted. Business credit cards like Spark Cash Plus from Capital One Business can be instrumental in supporting your company’s growth.

As your company expands, your financial needs may also change month to month, making it harder to estimate how much credit you’ll need. Spark Cash Plus has no preset spending limit (NPSL) and offers a generous and straightforward earning rate—making it a strong fit for businesses with high spending needs that want to earn big cash rewards.¹ 

What you’ll learn:

• Small-business owners (SBOs) who drive $500,000 or more in annual revenue might consider business cards that offer big purchasing power.

• Spark Cash Plus is designed to be paid in full. However, you have the option to carry over a portion of your balance with interest if needed.² It’s geared toward businesses that need a large spending capacity and are looking for generous cash rewards.

• SBOs can maximize their rewards-earning potential with unlimited 2% cash back on every purchase.

If your company earns at least $500,000 each year, you might benefit from a business card that offers big cash rewards, a flexible spending capacity and premium benefits—like the Spark Cash Plus business card.

Spark Cash Plus offers unlimited 2% cash back on every business purchase—with no minimums, category restrictions or expiration dates. As your business grows and you start spending more, you can use the card to maximize your cash back earning potential. With cash back rewards, you can put more funds back into your company.

For example, if you spend around $50,000 a month on the card, you could earn $12,000 in cash back annually. If you spend $80,000 a month, you could earn $19,200 in cash back annually. That’s why this card could be a great option for SBOs with high spending needs that value a simple rewards structure and flexible redemption options.

If you need to make large or frequent purchases to take your company to the next level, you don’t have to worry about credit limit restrictions. That’s because Spark Cash Plus has no preset spending limit (NPSL), which means the available purchasing power on the card is flexible and adapts based on factors like your previous purchasing habits, credit profile and payment history. With NPSL cards, the card is designed to be paid in full every month to maximize purchasing power and avoid interest and fees.

You can use Spark Cash Plus to access Capital One Business Travel—an all-in-one travel solution platform for managing company travel at scale. Beyond earning unlimited cash back on bookings made by you and your employees, Capital One Business Travel offers benefits such as:

• Additional cash back: You can earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through the platform.
• Seamless travel management: You can use the platform to set maximum prices and fare classes for employees and designate admins within your organization to manage these bookings. Plus, you can easily track travel costs through the reporting dashboard, which lets you monitor travel spend in real time.
• Price alerts: Price prediction notifications help you determine the best time to book your flight, which could save you an average of up to 15% on airfare.
• 24/7 white-glove support: Connect with live agents any time, any day of the week, to support your company’s travel needs. 
• Extensive trip options: Choose how you want to travel with access to over 200 airlines and more than 1 million hotels.

With Spark Cash Plus, you can access Accounts Payable from Capital One to help streamline your workflow. This is especially important as your company grows, since your expenses and payment needs may become more demanding. Once enrolled in Accounts Payable, you can send and track payments directly from your Spark Cash Plus account.

You can send payments to vendors your way, either by ACH or check or, for a small fee, by card. This allows you to earn unlimited rewards on vendor payments made with Spark Cash Plus—even if the vendors don’t accept cards. On the flip side, you can pay vendors however they choose, helping you maintain strong vendor relationships. And each payment you make has built-in fraud protection and private bank details so you can pay both new and established vendors confidently and securely.

As a Spark Cash Plus cardholder, you’ll have access to Expense Management directly from your Capital One Business account. This free feature helps you streamline expense tracking, which can become essential as your spending increases to support your expanding company. With Expense Management from Capital One Business, you can:

• Efficiently capture and submit any expense details—like receipts and notes—to accelerate categorization and reporting

• Automatically submit expense reports with auto-submission features, allowing you to track and monitor all transactions on your account dashboard

• Integrate Expense Management with accounting software like QuickBooks®, Sage Intacct, NetSuite and Xero to simplify your reconciliation process

As you hire more employees, you might need to delegate additional spending responsibilities by issuing credit cards to your employees. With Spark Cash Plus, employee cards are free and you can set two different access levels—authorized users and account managers—based on the responsibilities you want to grant each staff member.

Authorized users are empowered to make purchases on behalf of the business, track and monitor their own spending and card activity, and review, download and print their transactions. Account managers have more autonomy, with the ability to manage authorized users, review account finances and make payments toward the account.

Spark Cash Plus offers virtual business cards, which are digital cards that generate unique card numbers for purchases while remaining linked to your account. Virtual cards can be particularly useful for higher-spending companies because they provide added control and security for each transaction.

This means your main account could be better protected from data breaches or hackers. And these unique numbers are temporary, so there could be less time for an untrustworthy merchant or vendor to fraudulently use the card.

Keep your Spark Cash Plus account and cards protected as your company’s spending grows, with security benefits and features such as:

• Fraud alerts: If Capital One detects a suspicious charge or potential mistake on your account, you’ll receive a text message or email alert.

• Spending limits: You can add spending limits for each of your employee cards and monitor employees’ purchases in real time.

• Card lock: If you or one of your employees loses a card—or if it’s stolen—you can lock it to prevent the card from future use.

• $0 fraud liability: You’re not liable for fraudulent or unauthorized charges on your account or your employees’ cards.

As the head of a growing company, you’re likely looking for solutions that scale with your business but are still simple and efficient. That’s why, if you have large spending needs and want to earn straightforward cash rewards, Spark Cash Plus could be the perfect option for your company. You can get pre-approved today—with no impact to your personal credit score.