Capital One Spark Cash Plus vs. Spark Cash: Compared

If you’re shopping for a credit card for your business, you might be exploring Capital One’s many business rewards card offerings. Two specific cards from Capital One to consider are the Spark Cash Plus card and the Spark Cash card.

Both the Spark Cash Plus card and the Spark Cash card can help you take your business to the next level with 2% cash back and unlimited cash rewards—but there are some differences to keep in mind. Spark Cash Plus card is designed for business owners who need flexible spending power and are looking to earn more cash rewards. The Spark Cash card is a great option for business owners who want to still earn cash rewards but with a fixed credit line.

Keep reading to learn more about how these two cards compare so you can determine which one best meets your needs.

What you’ll learn:

• Spark Cash Plus and Spark Cash are different types of cards, but both provide best-in-class business benefits.
• Spark Cash Plus is a charge card that offers unlimited 2% cash back on all purchases with no preset spending limit.
• Spark Cash also offers unlimited 2% cash back on all purchases but has a set line of credit.
• You can also use Capital One’s pre-approval tool to determine which business cards you’re approved for and find one that best fits your life and work.

Here’s a snapshot of some of the main differences between Spark Cash Plus and Spark Cash:

Check out some top-tier benefits you can expect from both Spark Cash Plus and Spark Cash—and other Capital One business cards, too:

• No foreign transaction fees: This means you won’t be charged a transaction fee when making purchases abroad.
• Free employee cards: You can manage employee spending from anywhere—while earning rewards on every purchase.
• Fraud alerts: If Capital One detects a mistake or unexpected transaction, you’ll receive a text message or email to ensure your account is secure.
• Accounts Payable: By connecting your Capital One Business account to the Accounts Payable tool, you can view, schedule and manage payments while accessing an array of benefits to improve efficiency.

Check out all of Capital One’s business card benefits and features.

The Capital One Spark Cash Plus card is a pay-in-full charge card that offers unlimited 2% cash back on everyday business spending. With no preset spending limit, Spark Cash Plus adapts to your spending habits, payment history and credit profile to meet your needs. And with the ability to earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, you can earn even bigger bonuses on travel spending.

Spark Cash Plus is ideal for business owners who are looking for more flexible buying power and want to earn big cash rewards.

The Capital One Spark Cash card is a fixed line of credit business card that lets you earn 2% cash back on every purchase you make. And with a low annual maintenance fee—$0 for the first year and $95 every year after—you can keep more money in your wallet while still getting rewarded for how your business spends.

Spark Cash comes with business-grade travel rewards, too, with the opportunity to earn 5% unlimited cash back when you book hotels or rental cars using Capital One Travel. 

Choosing a credit card is a personal choice, and the best option for your business can depend on your goals and spending habits.

But if you’re deciding between Spark Cash Plus and Spark Cash, you might choose Spark Cash Plus if you’re looking to earn bigger bonuses and need more flexible spending power. If you want to earn great rewards with a low annual fee, Spark Cash could be the right choice for your business.

With both Spark Cash Plus and Spark Cash, business owners have a range of options. The decision often comes down to what your business needs and goals are. As you make your decision, a good first step could be seeing which offers you’re eligible for by using the pre-approval tool from Capital One business. It’s quick and easy to use and will not impact your personal credit.