Capital OneBest for High SpendBest for Simple business cash back
Capital One Spark Cash Plus
Annual Fee
$150/yr
Rewards Rate
2%
Intro Offer
Up to $1,200
Regular APR
N/A (charge card — pay in full)
Capital One Spark Cash Plus
Capital One Spark Cash Plus
Unlimited 2% cash back on every business purchase. Up to $1,200 bonus.
Our take
Flat 2% unlimited cash back on all business purchases with no category restrictions. A charge card (must pay in full monthly), which enforces discipline but limits flexibility. Great for high-volume businesses.
Highlights
What we like
Unlimited 2% cash back on all purchases
Up to $1,200 cash bonus
No foreign transaction fee
The trade-off
$150 annual fee
Charge card — must pay in full monthly
High spend required for full bonus
Is this card right for you?
Answer a few quick questions — we'll tell you if it fits your spending habits and credit profile.
Full details
Rewards & Perks
| Rewards rate | 2% |
| Rewards type | Cash back |
| Bonus categories | 2% on all |
| Welcome offer | Up to $1,200 |
| Offer requirements | $500 after $5,000 in 3 months, plus $500 after $50,000 in 6 months |
Fees & APR
| Annual fee | $150/year |
| Intro APR (purchases) | N/A (charge card) |
| Ongoing APR | N/A (charge card — pay in full) |
| Foreign transaction fee | None |
Eligibility
| Recommended credit score | 720-850 |
Frequently asked questions
What credit score do I need?
This card typically requires a 720-850 credit score. Building or maintaining good credit before applying improves your approval odds.
Are there foreign transaction fees?
No — this card has no foreign transaction fee, making it an excellent choice for international travel and purchases.
How do I earn the welcome offer?
$500 after $5,000 in 3 months, plus $500 after $50,000 in 6 months
Can I product-change or upgrade this card?
Many issuers allow product changes within the same card family. Contact the issuer directly after 12 months of card membership to ask about upgrade options.
Capital One Spark Cash Plus