Capital One · Visa
Spark Cash Plus
A business product: issuers expect business purchases (sole proprietors and freelancers qualify with an SSN). It never competes in our consumer rankings — see the business ranking instead.
Annual Fee
$150
up to $150/yr in credits if you use them
Current welcome offer
$2,000
Current offer shown; issuer determines eligibility.
Spend $30,000 in 3mo
Terms apply.
Base Rate
2x
on everything
Best For
High-spend businesses wanting simple 2% unlimited cash back
Current welcome offer
Bonus: 2,000 cash
Details: $2,000 cash bonus after $30,000 spend in first 3 months, plus $2,000 for every $500,000 spent in the first year
Requirement: Spend $30,000 in 3 months
Estimated value: $2,000Terms apply. Current offer shown; issuer determines eligibility.
Reward Categories
Hotels and rental cars booked via Capital One Travel portal
Key Benefits
Credits — if you use them
Annual fee refunded each year you spend $150,000+
Perks (not counted in our math)
Charge card — pay in full each month, no credit limit cap
Unlimited employee cards at no extra cost
Pros & Cons
Pros
- + 2% unlimited cash back on every purchase — no cap
- + 5% on hotels/rentals via Capital One Travel
- + No preset spending limit — ideal for large purchases
- + $2,000 welcome bonus
- + $150 annual-fee refund at $150k+ annual spend
Cons
- - $150 annual fee
- - Must pay in full monthly (charge card, not credit card)
- - High $30k spend required for the welcome bonus
- - No transfer partners
Rates and fees may vary.See current rates, fees, and terms on Capital One's site
Recommended credit score: 700+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.