Capital One Spark Cash Plus Business Credit Card – Straightforward Cash Back for High-Spending Businesses
If your business runs on big monthly expenses and you prefer cash in hand over miles or points, the Capital One Spark Cash Plus Business Credit Card may be the most straightforward and rewarding tool in your wallet. Here’s a full breakdown of its features and benefits — clean, practical, and in plain language.
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Key Highlights
- 2% unlimited cash back on every purchase
- $1,200 early spend bonus available
- No preset spending limit
- $150 annual fee
- Designed for high-spending, fast-growing businesses
- Get 2% cash back on all purchases – no rotating categories, no special conditions.
- Simple and predictable: spend more, earn more – across every type of expense.
- Big-ticket items, ad campaigns, inventory orders – it all earns you the same reliable rate.
- Earn $1,200 cash bonus after spending $30,000 in the first 3 months.
- Perfect for businesses with healthy budgets and upfront costs – giving you a solid early return.
- This is not a traditional credit card – it’s a charge card with no preset limit.
- Spend based on your business’s performance and payment history.
- Helps handle larger-than-usual purchases without worrying about being capped.
- Since it’s a charge card, the balance must be paid in full each month.
- No revolving debt – which means no interest charges.
- Great for businesses that manage cash flow responsibly.
- Free employee cards to earn cash back faster
- Set spending limits per employee
- Export purchase activity to QuickBooks® and Excel
- Integrates with popular expense tracking tools
- $0 fraud liability – protection from unauthorized charges
- Virtual cards for safer online purchases
- Card lock/unlock from the Capital One app
- Real-time alerts and mobile-friendly controls
- Annual Fee: $150
- Cash Back Rate: Unlimited 2% on all purchases
- Welcome Bonus: $1,200 after $30,000 spend in 3 months
- Foreign Transaction Fees: None
- Spending Limit: No preset limit (pay in full monthly)
- Card Type: Charge Card (not revolving credit)
Is the 2% cash back capped?
Nope – it’s unlimited, no matter how much you spend.
Can I carry a balance?
No. This is a pay-in-full card, meaning your balance must be cleared each month.
Are there any category bonuses?
No. The card keeps it simple – flat 2% on everything.
Is it good for small businesses?
Yes – but best for businesses that spend consistently and pay off balances monthly.
- High-spending companies wanting simple rewards with no fuss
- Businesses that want real money, not travel points
- Owners who can pay balances monthly and avoid interest altogether
- Entrepreneurs looking for flexibility, no preset limits, and strong employee card controls
If you value straightforward earning, no-nonsense benefits, and real cash rewards, this card is exactly what it claims to be — plus a little more.
If you value straightforward earning, no-nonsense benefits, and real cash rewards, this card is exactly what it claims to be — plus a little more.