Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
N/A(Verified 10/07/2025)
Balance Transfer APR (Variable APR)
N/A(Verified 10/07/2025)
Annual Fee
$150
Disclaimer popup with additional information
Credit Score Range
780 - 850
Capital One Spark Cash Plus Review
This is a cashback card issued by Capital One. If you're wondering whether Capital One Spark Cash Plus is the right card for you, read on.
Key Takeaways
- Business credit card with generous reward rate. You can get a rewards rate of up to 5x.
- $2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
- Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Excellent credit required. You will have good approval odds if you have an excellent credit score.
Pros & Cons of Capital One Spark Cash Plus
| The Good | The Bad |
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What are the relevant APRs?
Does it have an introductory APR offer?
This business card does not offer an introductory rate on new purchases.What fees does it charge?
The following fees apply to this business credit card:
- An annual fee of $150 (As an extra ongoing bonus, get your $150 annual fee refunded every year you spend at least $150,000 with the card.) .
| Fees | Amount |
| Annual Fee | $150 |
Does it offer a cash back or rewards program?
No, it does not offer a cash back rewards program. The rewards program allows you to earn cash with every purchase you make.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | $2,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | 2,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bonus Offer | $2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Car Rentals
- Every Purchase
- Hotels
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturdayClosed
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Other Business Credit Cards from Capital One
Purchase APR
17.24% - 23.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Annual Fee
$0
Credit Score Range
700 - 850
300
850
Purchase APR
24.99%
Disclaimer popup with additional information
Balance Transfer APR
24.99%
Disclaimer popup with additional information
Annual Fee
$95
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Purchase APR
Starting at 24.49%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 24.49%
Disclaimer popup with additional information
Annual Fee
$95
Credit Score Range
700 - 850
300
850
Purchase APR
24.99%
Disclaimer popup with additional information
Balance Transfer APR
24.99%
Disclaimer popup with additional information
Annual Fee
$95
Disclaimer popup with additional information
Credit Score Range
740 - 850
300
850
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
26.99%
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
600 - 750
300
850
Rating not yet determined
Purchase APR
16.74% - 22.74%
Disclaimer popup with additional information
Balance Transfer APR
16.74% - 22.74%
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
Starting at 750
Rating not yet determined
Purchase APR
N/A
Balance Transfer APR
N/A
Annual Fee
$395
Disclaimer popup with additional information
Credit Score Range
780 - 850
300
850
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