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

    Get your $150 annual fee refunded every year you spend at least $150,000. 4

    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
Monthly Spending
Your business could earn:
cash back annually


Application Requirements

What you should know before you apply


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


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


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

More Business Cards

Spark 1.5% Cash Select product image

Spark 1.5% Cash Select

Unlimited 1.5% cash back with no annual fee for excellent credit.
Spark 2X Miles product image

Spark 2X Miles

Unlimited 2X miles with Global Entry credit or TSA Pre✓®. 7

This one-time bonus is 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 bonus may not be available for existing or previous Spark cardholders.


If you don’t pay off the balance in full, you will be charged a late fee of 2.99% on your outstanding statement balance and your account will be considered past due until we receive your payment in full.


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.


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.


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


Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered Visa® card to secure transactions. Please refer to your Guide to Benefits for further details.


To receive a statement credit, you must use your Spark Miles card to either complete the Global Entry application and pay the $100 application fee, or complete the TSA Pre✓® application and pay the $85 application fee. Credit will appear within two billing cycles and will apply to whichever program is applied for first. One statement credit per account every four years, and your account must be open and in good standing when the credit is applied. Fees charged to a Spark Miles Select card, any Capital One card that is not a Spark Miles card or paid for with PayPal® are not eligible for a statement credit. Refer to Account Terms for additional details.