Capital One Spark Cash Plus

Earning Rates

Key Benefits

All Benefits

• $150 annual fee per the Capital One Spark Cash Plus issuer page
• Annual fee refund: receive a $150 statement credit each membership year you spend at least $150,000 in net purchases, effectively zeroing the annual fee for six-figure-spend businesses (issuer page footnote 6)
• Welcome offer (per the rewardztravel deep-research brief and historical Spark Cash Plus terms): earn a $2,000 cash bonus after spending $30,000 in the first 3 months from account opening (issuer page footnote 1)
• 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)
• Earn unlimited 2% cash back for your business on every purchase, everywhere, with no limits or category restrictions (issuer page rewards module)
• Earn unlimited 5% cash back on hotels booked through Capital One Business Travel (issuer page 'Travel Rewards' section)
• Earn unlimited 5% cash back on rental cars booked through Capital One Business Travel (issuer page 'Travel Rewards' section)
• 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)
• Cash back rewards do not transfer to airline or hotel loyalty programs — Spark Cash Plus earns straight cash, not Capital One Miles, so 1:1 cash-back valuation applies (Capital One Spark Cash Plus is a cash-back product, distinct from the Venture / Venture X / Venture X Business Miles-earning lineup)
• Charge 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)
• 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)
• 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)
• Free virtual cards in addition to physical employee cards, supporting team spending controls and online-only purchase workflows (issuer page 'Business-Grade Capabilities' module)
• 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)
• 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)
• No 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)
• 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)
• Year-end summaries, itemized purchase reporting, and integrations with accounting tools (such as QuickBooks) to streamline expense management and tax preparation — a standard Capital One Spark Business feature surfaced on the issuer ecosystem
• 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)
• 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)
• Not offered: airport lounge access — no Capital One Lounge or Capital One Landing access (lounge access is a Venture X / Venture X Business benefit, not a Spark Cash Plus benefit) per OMAAT's Spark Cash Plus review
• Not offered: Priority Pass Select membership (Priority Pass is a Venture X / Venture X Business benefit) per OMAAT's Spark Cash Plus review
• Not offered: Global Entry or TSA PreCheck application fee credit (this is a Venture / Venture X / Venture X Business benefit, not a Spark Cash Plus benefit)
• Not offered: transferable points to airline and hotel partners — Spark Cash Plus earns cash back only, with no path to Capital One Miles transfer partners (Venture-family product feature, not a Spark Cash Plus feature) per OMAAT's Spark Cash Plus review
• Not offered: anniversary bonus points or anniversary cash bonuses (no recurring anniversary award like the Venture X Business 10,000-mile anniversary bonus)
• Not offered: annual travel credit on Capital One Travel (the $300 Capital One Business Travel credit is a Venture X Business feature, not available on Spark Cash Plus)