Capital One Spark Cash Plus review: High spenders
Two percent on everything with no preset spending limit suits a business that already runs six figures through its cards and pays in full. The $150 fee is refunded once you spend $150,000 in a year, which is the point at which this card beats the no-fee options anyway.
Capital One Spark Cash Plus is best for high spenders. None (pay in full), $150 annual fee, and unlimited 2% cash back on every purchase. Approval generally requires a 720+ personal credit score.
Capital One Spark Cash Plus business charge card details
| Annual fee | $150 |
|---|---|
| Intro APR | None (pay in full) |
| Ongoing APR | Pay in full monthly |
| Rewards | Unlimited 2% cash back on every purchase; annual fee refunded at $150,000 in yearly spend |
| Credit needed | 720+ |
| Card arrives | 7 to 10 days |
Pros
- Unlimited 2% cash back
- No preset spending limit
- Annual fee refunded at $150,000 in spend
- No foreign transaction fees
Cons
- Must be paid in full each month
- $150 annual fee
- Excellent credit required
- No intro APR
Figures verified 2026-11-01. Providers change terms; confirm before applying.
Where Capital One Spark Cash Plus stands out
Flexible limit
Spending capacity adapts to your payment history and cash flow, useful for lumpy inventory purchases.
Where Capital One Spark Cash Plus falls short
No financing
This is a charge card. If you carry balances, use a 0% intro APR card instead.
Who qualifies
Requirements
- Excellent personal credit (720+)
- Established business spend
Consider Capital One Spark Cash Plus if you
- You spend $10,000 or more a month on cards
- You always pay in full
- You travel or buy internationally
Alternatives to Capital One Spark Cash Plus
Amex Blue Business Plus
Business credit card · best for 0% intro APR with rewards
Annual fee $0 · Intro APR 0% on purchases for 12 months
Chase Ink Business Unlimited
Business credit card · best for flat-rate cash back
Annual fee $0 · Intro APR 0% on purchases for 12 months
Capital One Spark Cash Plus appears in: Best Business Credit Cards of November 2026.
Methodology
Capital One Spark Cash Plus was scored on cost of capital, accessibility, speed, repayment flexibility, transparency and borrower outcomes, the same six factors applied to every business credit cards product on this site. Read how we rate. We have no commercial relationship with Capital One Spark Cash Plus.