Capital One · Business charge
Capital One Spark Cash Plus review
Capital One Spark Cash Plus is a US business charge card with one of the simplest rewards structures around: unlimited 2% cash back on every purchase, 5% on hotels and rental cars booked through Capital One Business Travel, and no foreign transaction fees. The $150 annual fee is offset by a $150 cash bonus in any year you spend $150,000, so it suits businesses with large, steady card spend.
Who Capital One is best for
US businesses with high, steady card spend and teams that want simple flat cashback with no categories.
Businesses that want to avoid a personal guarantee and low spenders who won’t recover the annual fee.
Capital One Spark Cash Plus is a US business charge card with one of the simplest rewards structures around: unlimited 2% cash back on every purchase, 5% on hotels and rental cars booked through Capital One Business Travel, and no foreign transaction fees.
The $150 annual fee is offset by a $150 cash bonus in any year you spend $150,000, so it suits businesses with large, steady card spend. The balance must be paid in full each month, a personal guarantee is required, and excellent credit is recommended.
Fees, features and eligibility
| Rewards | Unlimited 2% cash back; 5% on hotels and rental cars via Capital One Business Travel |
|---|---|
| Annual fee | $150 |
| Fees | $150 annual fee; $150 cash bonus each year you spend $150,000 |
| Payment terms | Pay in full each statement |
| Foreign transaction fee | None |
| Card type | Business charge |
| Eligibility | US businesses; excellent credit recommended |
| Personal guarantee | Required |
| Currencies | USD |
Source: Capital One published product information.
What stands out
Pros
- Unlimited 2% cash back
- No foreign transaction fees
- $150 annual bonus at $150,000 spend
Cons
- $150 annual fee
- Personal guarantee required
- Balance must be paid in full
Capital One: common questions
How much cash back does Spark Cash Plus earn?
Unlimited 2% on every purchase, plus 5% on hotels and rental cars booked through Capital One Business Travel.
What is the Spark Cash Plus annual fee?
$150, with a $150 cash bonus each year you spend $150,000 or more.
Does Spark Cash Plus charge foreign transaction fees?
No.
Is Spark Cash Plus a charge card?
Yes. The balance is due in full each statement.
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