Spark Cash Plus

Best for: high-spend businesses

A business charge card with unlimited 2% cash back and a $2,000 bonus, for high-spend businesses.

Good Day Loans is not currently paid by the institutions shown here. Any paid placement would be labeled and never changes rankings. Advertiser disclosureVerified Sep 28, 2026

Rewards and welcome offer

Welcome bonus

$2,000

cash bonus after $30,000 in purchases in the first 3 months

2%cash back for your business on every purchase, no limits or category restrictions
5%cash back on hotels, vacation rentals and rental cars booked through Capital One Business Travel

Strengths and trade-offs

Strengths

Unlimited 2% cash back
$2,000 bonus, plus another $2,000 for every $500,000 spent in the first year
The $150 annual fee is refunded each year you spend at least $150,000
No foreign transaction fees

Trade-offs

$150 annual fee unless you spend $150,000 a year
Bonus needs $30,000 in purchases within 3 months
Regular APR is not stated on the page

Rates and fees

Annual fee: $150
Regular APR: Not stated on the issuer's page
Intro APR: None
Balance transfer fee: Applies; amount not stated on the issuer's page
Foreign transaction fee: None
Minimum credit score: Not published by the issuer

Capital One's page refers to this as a charge card and does not state an APR.

Figures read from capitalone.com on Sep 28, 2026. Terms change without notice, so confirm with the lender.

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