Business Card

Spark Cash Plus

2% unlimited cash back
$4,000 or more in cash bonuses
No preset spending limit

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Spark Cash Plus card
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Credit Level: Excellent

View important rates and disclosures Rewards terms

  • 2%
    Unlimited rewards

    Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.

  • $2,000
    Welcome offer

    Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months. 1

  • $2,000+

    Year one bonuses

    Earn an additional $2,000 bonus for every $500,000 spent in the first year. You can truly earn unlimited cash bonuses your first year. 1

  • REWARDS YOUR WAY

    Get cash back rewards for any amount at any time with no expiration date for the life of the account. 2

  • TRAVEL REWARDS

    Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.

  • BUSINESS-GRADE CAPABILITIES

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

CARD TERMS

Payment terms

Your card is designed to be paid in full. However, you have the option to carry over a portion of your balance with interest if needed. 4

Flexible spend capacity

This card comes with no preset spend limit that adapts to your needs based on spending behavior, payment history and credit profile. 5

Annual fee refund

Get your $150 annual fee refunded every year you spend at least $150,000. 6
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Rates and fees information Rewards terms

Rewards Calculator

Slide to your monthly spend to see how much you could earn 7
See how much your business can earn 7
See how much you could earn based on your monthly spending 7
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cash back in the first year
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cash back in the first year
  1. 1

    The bonuses are available by clicking the “Apply Now” button on this page, and may not be available if you navigate away from or close this page. The bonuses may not be available for existing or previous Capital One Business card holders. These spend bonuses may be earned independently, meaning you may earn one or both.

  2. 2

    Your Spark Cash Plus card account must be open and in good standing at the time of rewards redemption. Your cash rewards are yours for the life of the account—they won't expire. But if your account is closed, you may lose any rewards you have not redeemed.

  3. 3

    Rewards and benefits may vary between Capital One Travel and Capital One Business Travel. See website for more details.

  4. 4

    Pay at least the minimum payment amount by your payment due date, otherwise you’ll be charged a 2.99% late fee.

  5. 5

    No preset spending limit does not mean unlimited spending. The amount you can spend can change over time based on your spending behavior, payment history, credit profile and other factors.

  6. 6

    You will receive a statement credit of $150 each year when you spend at least $150,000 in net purchases by your membership anniversary date. You will see the statement credit within 2 billing cycles following your rewards membership anniversary date. Please note that statement credits lower your balance but do not count as payments. You must continue to make any required payments.

  7. 7

    The actual amount of cash back you earn will depend on your purchase activity.