Capital One Spark Cash Plus
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Annual Fee: annual_fees
Welcome Offer: bonus_miles_full
My take: A powerful cash back business card with a large welcome offer if you spend enough to negate the annual fee
Quick Overview
The Capital One Spark Cash Plus is for high-spend business owners that want a simple cash back card along with a massive welcome offer bonus.
Welcome Offer
The Spark Cash Plus has a huge welcome offer, as long as your business spends enough to earn the bonus.
Annual Fee
Spending Categories
- 5% cash back on hotels booked through Capital One Travel (terms apply)
- 5% cash back on rental cars booked through Capital One Travel (terms apply)
- 2% cash back on every other purchase
Credits
- $150 annual fee refunded every year you spend at least $150,000
Foreign Transaction Fee
Additional Benefits
- Flexible spend capacity with no preset spend limit
- Free employee cards
- Pay-in-full card so balance must always be paid off in full every month
- Cash back rewards never expire when account is open
Transfer Partners
Capital One’s airline and hotel travel partners are a great way to increase the value of your Spark cash back. The Spark Cash Plus earns Cash Rewards, which can be transferred to airlines and hotels if you use the Combine Rewards feature to move your rewards to a card earning Capital One Miles.
Cash back earning personal credit cards:
- Capital One Quicksilver Cash Rewards Credit Card ($0 annual fee)
- Capital One Savor Cash Rewards Credit Card ($0 annual fee)
Cash back earning business credit cards:
- Capital One Spark Cash Select ($0 annual fee)
- Capital One Spark Cash Plus ($150 annual fee)
Miles earning personal credit cards:
- Capital One VentureOne Rewards Credit Card ($0 annual fee)
- Capital One Venture Rewards Credit Card ($95 annual fee)
- Capital One Venture X Rewards Credit Card ($395 annual fee)
Miles earning business credit cards:
- Capital One Spark Miles for Business ($0 intro annual fee for first year; then $95)
- Capital One Venture X Business ($395 annual fee)
1:1 miles transfer (unless stated) to the following loyalty programs:
- Airline Travel Partners
- Aeromexico Club Premier
- Air Canada ‒ Aeroplan®
- Cathay Pacific ‒ Asia Miles
- Avianca LifeMiles
- British Airways Executive Club
- Emirates Skywards
- Etihad Guest
- EVA Air Infinity MileageLands [1,000 miles to 750 miles]
- Finnair Plus
- Flying Blue
- Qantas Frequent Flyer
- Singapore Airlines KrisFlyer
- TAP Miles&Go
- Turkish Airlines Miles&Smiles
- Virgin Red
- Hotel Travel Partners
- ALL (Accor Live Limitless) [1,000 miles to 500 points]
- Choice Privileges®
- Wyndham Rewards
My Take
The Spark Cash Plus can be a fantastic pick for business owners that need one card for a majority of their spend. This $150 annual fee credit card has a spend limit that adapts to the cardholder’s needs based on spending behavior, payment history, and credit profile. The 2% cash back on everything makes this an extremely simple card if you want to focus on growing your business instead of maximizing cash back with spend across many different credit cards. The large welcome offer and annual fee refund for $150,000 spent in one year are great extra perks.
Other Capital One Business Card Alternatives
If you want to earn Capital One Miles instead of cash back, I’d recommend taking a look at the Capital One Spark Miles for Business ($0 intro annual fee for first year; then $95) or the Capital One Venture X Business ($395 annual fee)
Recommended Video
I don’t have any YouTube videos about this card yet, but here’s another video I made about my three favorite consumer credit cards from Capital One.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
