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Capital One Spark Cash Plus

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The Spark Cash Plus offers unlimited 2% cash back on all purchases, free employee cards, and a selection of business management tools. It’s an easy way to earn a solid rate on all your company spending. This card has replaced the Capital One Spark Cash for Business (Review).

The information related to Capital One Spark Cash for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Spark Cash Plus
Our rating
Min. credit level: Good
Annual Fee: $150
Regular APR: Not Applicable - Paid in Full Monthly

Capital One Spark Cash Plus

Our rating
Good Min. credit level
$150 Annual Fee
Apply Now

Highlights & Features


Spending Rewards
  • 2% cash back on all purchases
Introductory Bonus
  • $500 after spending $5,000 in the first 3 months; $500 after spending $50,000 in the first 6 months

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee 2.99% of unpaid portion
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee N/A
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges
Capital One Spark Cash Plus


  • Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
  • Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions
  • Earn an annual $200 cash bonus every year you spend $200,000 or more
  • Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
  • Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
  • Add employee cards for free, and earn unlimited 2% cash back from their purchases
  • $150 annual fee
  • Spark Cash Plus has no APR because your balance is due in full every month

Capital One Business

Capital One Business has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-227-4825 or

Try a different phone number
See all Issuer Cards

The 2% cash back rewards rate is unlimited. On top of the welcome bonus, you can also grab a yearly bonus of $200 cash back for every year you spend at least $200,000 with your card.

Do note that this is a charge card and you must pay it off in full every month, as opposed to a typical credit card where you can revolve a balance. If you don’t, you’ll be charged a 2.99% monthly late fee until your balance is paid off.

The Spark Cash Plus card carries an annual fee of $150.

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