Boost your business performance with a credit card that rewards every dollar spent. The Capital One Spark Cash Plus Credit Card is designed for companies that value simplicity, scale, and consistent returns.
Running a business demands control and flexibility. Spark Cash Plus meets these needs by offering unlimited 2% cash back on all purchases, with no reward caps and no preset spending limit.
Built as a charge card, it requires full monthly payment, making it ideal for businesses with strong cash flow and high transaction volume. There’s no need to track categories or adjust spending behavior to maximize rewards.
Why Business Owners Choose Capital One
Capital One has earned a solid reputation in the small business credit card space. Its focus on clear rewards, reliable security, and intuitive digital tools makes it a strong competitor among major issuers.
While American Express is known for premium travel perks and Chase offers flexible point systems, Capital One Spark cards stand out for their predictable, flat-rate cash back. With Spark Cash Plus, every purchase earns 2% back—no conditions attached.
This straightforward structure appeals to business owners who want clarity and fast value without complexity.
Types of Business Credit Cards Available
Business owners can choose from several card categories depending on their needs:
- Cash back cards for simple, predictable rewards.
- Travel rewards cards for frequent business travelers.
- Low-APR or balance transfer cards for managing existing debt.
- Secured business cards for building or rebuilding credit.
- Charge cards, like Spark Cash Plus, which require full monthly payment but offer flexible spending power.
Spark Cash Plus combines cash back rewards with a charge card model, a rare but effective option for businesses with consistent revenue.
Key Features of Spark Cash Plus
Spark Cash Plus delivers unlimited 2% cash back on every purchase, without rotating categories or restrictions.
High-spending businesses can earn an additional $200 cash bonus each year after reaching $200,000 in annual spend.
New cardholders may qualify for a welcome bonus by meeting a minimum spending requirement in the first few months.
There is no preset spending limit, allowing purchasing power to adjust based on account history and business performance.
The card also charges no foreign transaction fees, which benefits companies with international expenses.
It has a $150 annual fee, which can be easily offset by rewards for moderate to high spenders.
Impact on Business Credit
Spark Cash Plus reports to commercial credit bureaus, helping build a business credit profile. Personal credit is typically not affected unless the account defaults.
Because it’s a charge card, it doesn’t contribute to revolving credit utilization, but it encourages disciplined financial management.
How to Apply
The application process is fully online through Capital One’s website. Applicants provide basic business and personal information and often receive a decision quickly.
Once approved, the card can be used immediately for business purchases.
Making the Right Choice for Your Business
Spark Cash Plus is a strong fit for businesses that spend heavily, pay balances in full, and want unlimited, easy-to-track cash back.
Its combination of simplicity, flexibility, and scale makes it a powerful financial tool for growing companies.
Ready to get started? Apply now for the Spark Cash Plus Credit Card on Capital One’s official website.