Earn $4,000 or more in cash bonuses
OUR BIGGEST OFFER EVER:
Spark Cash Plus
Business Card
2% unlimited cash back
$4,000 or more in cash bonuses
No preset spending limit
Find out if you’re pre-approved with no impact to your personal credit score.
2% on every purchase
Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.
$2,000 welcome offer
Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months. 2
$2000+
in year one bonuses
Earn an additional $2,000 bonus for every $500,000 spent in the first year. You can truly earn unlimited cash bonuses in your first year. 1
Rewards your way
Get cash back rewards for any amount at any time with no expiration date for the life of the account. 3
Travel rewards
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Business Travel.
Business-grade capabilities
Empower your team to make purchases while earning rewards on their transactions, with free employee and virtual cards.
Card terms
Payment terms
Your card is designed to be paid in full. However, you have the option to carry over a portion of your balance with interest if needed.
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Flexible spend capacity
This card comes with no preset spend limit that adapts to your needs based on spending behavior, payment history and credit profile.
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Annual fee refund
Get your $150 annual fee refunded every year you spend at least $150,000.
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Benefits of Spark 2% Cash Plus
Automatic payments
Set up AutoPay so you don’t have to worry about signing into your account every month.
$0 fraud liability
If your card is lost or stolen, you can get an emergency replacement and a cash advance.
Year-end summaries
Get an itemized report of your spending to simplify budgeting and tax time.
Account managers
Assign an account manager to make purchases and payments, review transactions and resolve any problems.
Purchase records
Quickly and securely download your purchase records into multiple formats including Quicken®, QuickBooks® and Excel®.
Virtual card numbers
Make safer payments online without exposing your actual card number with merchants.
Frequently asked questions
What information is required to apply for a Spark Cash Plus card?
To apply for the Spark Cash Plus charge card, you must be an authorized representative for your business. You’ll need to provide personal and business details to verify your identity and establish creditworthiness. Your application may be declined if you have a freeze with credit bureaus.
Personal information includes:
- Full legal name
- Personal contact information
- Social Security number
- Monthly rent or mortgage payment
Business information includes:
- Tax ID or Employer ID Number (EIN), or an SSN for sole proprietorships
- Annual revenue
- Monthly business spend
- Names and information of other Beneficial Owners or Controllers
How does a card with no preset spending limit work?
No preset spending limit cards, like the Spark Cash Plus card, don’t have a fixed line like a traditional credit card. Instead, your purchasing power adjusts dynamically based on your spending and payment behaviors. These cards are designed to be paid in full, which is one factor that determines how much you’re able to spend on the card at a time.
How much is the Spark Cash Plus annual fee?
The Spark Cash Plus card has an annual fee of $150, which is refunded annually when you spend at least $150,000. As well as an annual refund, you’ll also have access to:
- An early spend bonus when you spend a certain amount within the first few months of opening your card
- Access to Accounts Payable and Expense Management solutions integrated directly within your Capital One Business account
- Access to Capital One Business Travel, our business-grade travel management platform for booking travel, creating travel policies and managing travel
- Fraud protection, alerts and extended warranties on eligible items
- Earn unlimited 2% cash back on every purchase with no limits or expiration dates
- Earn unlimited 5% cash back when you book hotels, vacation rentals and rental cars through Capital One Business Travel
How do I redeem the cash back I’ve earned using my Spark Cash Plus charge card?
Redeeming the cash you earn with your Spark Cash Plus card is easy. Sign in to your Capital One Business account and navigate to the View rewards section. You’ll see different ways you can redeem your cash back, such as through a statement credit or check.
More Business Cards
Spark 2% Cash
Unlimited 2% cash back with a low annual fee.
Venture X Business
Unlimited 2X miles on every purchase with spend capacity that adapts to your business.
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The bonuses are available by clicking the “Apply Now” button on this page, and may not be available if you navigate away from or close this page. The bonuses may not be available for existing or previous Capital One Business card holders. These spend bonuses may be earned independently, meaning you may earn one or both.
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Spark Cash Plus Welcome Bonus: Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months.
Spark Cash Plus Additional Bonuses: Earn a $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times during your first year as cardholder. - 3
Your Spark Cash Plus card account must be open and in good standing at the time of rewards redemption. Your cash rewards are yours for the life of the account—they won't expire. But if your account is closed, you may lose any rewards you have not redeemed.
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Pay at least the minimum payment amount by your payment due date, otherwise you’ll be charged a 2.99% late fee.
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No preset spending limit does not mean unlimited spending. The amount you can spend can change over time based on your spending behavior, payment history, credit profile and other factors.
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You will receive a statement credit of $150 each year when you spend at least $150,000 in net purchases by your membership anniversary date. You will see the statement credit within 2 billing cycles following your rewards membership anniversary date. Please note that statement credits lower your balance but do not count as payments. You must continue to make any required payments.
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The actual amount of cash back you earn will depend on your purchase activity.
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Some cardholder benefits are only available to the primary cardholder and not authorized users. Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Visa® card or Mastercard® to secure transactions. Please refer to your Guide to Benefits for further details.