Capital One Spark Cash Plus
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Earning Rates
Earning rates
5- 2%
Earn unlimited 2% cash back for your business on every purchase, everywhere, with no limits or category restrictions (issuer page rewards module)
- 5%lodging
Earn unlimited 5% cash back on hotels booked through Capital One Business Travel (issuer page 'Travel Rewards' section)
- 5%lodging
Earn unlimited 5% cash back on rental cars booked through Capital One Business Travel (issuer page 'Travel Rewards' section)
- 2%lodging
Free employee cards for your team, with each employee card earning the same unlimited 2% cash back on every purchase (and 5% on Capital One Business Travel hotels and rental cars) back to the business owner's account (issuer page 'Business-Grade Capabilities' module)
- 5%lodging
Complimentary access to Capital One Business Travel, Capital One's all-in-one business travel management platform, used both for booking and for earning the 5% category on hotels and rental cars (issuer page; required to earn 5% cash back per the rewards module)
Transfer partners
1Statement credits
2- $150Annual Fee RefundYearly
$150 statement credit each membership year when you spend at least $150,000 in net purchases by your anniversary date
- Cash-back redemption options
Cash-back redemption options: statement credit, check, or to cover a Capital One Travel booking, with no minimum redemption amount (issuer page 'Rewards Your Way' module and footnote 2)
Perks & memberships
3- Payment flexibilityCharge card structure with no preset spending limit: the amount you can spend adapts over time based on spending behavior, payment history, credit profile, and other factors — Capital One explicitly states this does not mean unlimited spending (issuer page footnote 5)
- Authorized usersFree virtual cards in addition to physical employee cards, supporting team spending controls and online-only purchase workflows (issuer page 'Business-Grade Capabilities' module)
- No foreign feesNo foreign transaction fees on purchases made outside the United States (per Capital One's standard Spark business card terms; verified against OMAAT's Spark Cash Plus review at onemileatatime.com)
Travel & purchase protections
3- Network: Mastercard World Elite (per Capital One's Spark Cash Plus pricing and terms; Spark Cash Plus is not on Visa). Mastercard World Elite carries Mastercard Travel & Lifestyle Services, Mastercard ID Theft Protection, and Mastercard's standard cardholder benefits suite — note: the user-supplied brief referenced 'Visa Signature Business', which does not match Capital One's actual Spark Cash Plus network
- Auto Rental Collision Damage Waiver: Capital One's standard Spark business CDW is secondary coverage (not primary) when the rental is paid in full with the card and the rental company's CDW is declined — the user-supplied brief asked to verify primary CDW on business rentals, and per Capital One's Spark business benefits guide this coverage is secondary, not primary (verify against the current Capital One Guide to Benefits for your exact card before relying on it)
- Roadside Assistance and Travel and Emergency Assistance via the Capital One Spark business benefits suite (per Capital One's standard Spark business card benefits guide)
More benefits & fine print (12)ShowHide
- Year-one milestone bonus: earn an additional $2,000 cash bonus for every $500,000 spent in the first year, with no cap — Capital One markets this as 'truly unlimited cash bonuses' in year one (issuer page footnote 1)
- Current Capital One headline marketing as of the 2026-05-23 issuer-page fetch describes the combined welcome and year-one bonuses as 'our biggest offer ever: earn $4,000 or more in cash bonuses' (issuer page hero copy)
- Welcome and milestone bonuses may not be available to existing or previous Capital One Business card holders (issuer page footnote 1)
- Rewards and benefits may vary between Capital One Travel and Capital One Business Travel; 5% category applies on the Business Travel platform (issuer page footnote 3)
- Cash back has no expiration for the life of the account, and rewards can be redeemed for any amount at any time with no minimum redemption threshold (issuer page 'Rewards Your Way' module and footnote 2)
- Pay-in-full design: the card is designed to be paid in full each month, however you have the option to carry over a portion of your balance with interest if needed (issuer page 'Card Terms' section and footnote 4)
- Late payment fee: pay at least the minimum payment amount by your due date or you will be charged a 2.99% late fee (issuer page footnote 4)
- Dedicated Relationship Manager guidance available for eligible businesses to help select the right card and maximize rewards on business spend (issuer page 'Dedicated guidance for eligible businesses' module)
- Spark Cash Plus applications are personally guaranteed by the owner; per OMAAT's Spark Cash Plus review, Capital One Spark Business cards do not report on a month-to-month basis to the primary cardholder's personal credit bureaus the way consumer cards do (only on default), which matters for managing personal credit utilization
- Eligibility note (cross-product): per the Capital One Venture X Business issuer page and OMAAT, Capital One only allows one business charge card per primary cardholder, so a current Spark Cash Plus primary cardholder cannot simultaneously hold the Capital One Venture X Business as primary
- Pre-approval available with no impact to your personal credit score via Capital One's 'See if I'm pre-approved' flow on the product page (issuer page hero CTA)
- Credit level required: Excellent (issuer page hero module)
How we verified this card (2 sources)ShowHide
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See the Current Offer
Earn $4,000 cash bonus
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