Spark 2% Cash Plus

Credit Level: Excellent

Enjoy purchasing power that adapts to your business and earn unlimited 2% cash back. Plus, earn a one-time cash bonus of $1,200.

  • 2%
    Unlimited Rewards

    Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

  • $1,200
    Cash Bonus

    Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months 1

  • Pay-in-Full
    Charge Card

    Your balance must always be paid off in full every month. 2


  • Flexible spend capacity

    Spark 2% Cash Plus comes with no preset spending limit that adapts to your needs based on spending behavior, payment history and credit profile. 3
  • ANNUAL FEE REFUND

    Get your $150 annual fee refunded every year you spend at least $150,000. 4
  • BUSINESS-GRADE CAPABILITIES

    Empower your team to make purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, pay your vendors with ease.

Rewards Calculator

Slide to your monthly spend to see how much you could earn 5
See how much your business can earn 5
See how much you could earn based on your monthly spending 5
$0
$0$500,000
Monthly Spending
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Your business could earn:
cash back annually

BENEFITS OF SPARK 2% CASH PLUS 6

Application Requirements

What you should know before you apply

10 MINUTE APPLICATION

It takes about 10 minutes to apply and you'll get a decision in seconds.

BUSINESS OWNER INFORMATION

You'll need to know legal names, addresses and SSNs for all business owners.

BUSINESS INFORMATION

Gather your legal business name, address and business tax ID number (TIN). 

More Business Cards

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Customer Reviews
  • 5 Star
    61%
  • 4 Star
    8%
  • 3 Star
    8%
  • 2 Star
    8%
  • 1 Star
    15%
3.9
based on 1884 reviews
71 %
of reviewers recommend Spark Cash Plus
3.9
based on 1884 reviews
71 %
of reviewers recommend Spark Cash Plus
  • 5 Star
    61%
  • 4 Star
    8%
  • 3 Star
    8%
  • 2 Star
    8%
  • 1 Star
    15%