Last updated: 6/27/2023

Capital One Spark Cash Plus

Earns: Cash Back

★★★★★

GigaTake:

2% is the highest cash back around for a business card. Just make sure that you spend enough to make the $150 annual fee worthwhile.

This card is best for:

All Spending

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Here’s how much you would earn with this card

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Pros

2% cash back is the highest cash back rate for a business card.

Cons

$150 annual fee.

See how the Capital One Spark Cash Plus compares to other credit cards

Capital One Spark Cash Plus Other Cards

Rewards

Show Rewards For:

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Reward Rate = 2x

Value = 1 cent per point
Effective Value = 2 %

Welcome Bonus = 50,000

Value = 1 cent per point
Effective Value = $500

$1700

Annual Fee = $150

$695

Welcome Bonus

$500 Cash Back

After you spend $5,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article

Spending Rewards

2% All Spending

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Try the Analyzer now

0.4¢ PER POINT

2¢+ PER POINT

Other Card Information

Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening.

Annual Fee

$150

Are Annual Fees Worth It?

The GigaPoints Guide to Credit Card Annual Fees Article

Recommended Credit Score

Average
Good
Excellent

These ranges indicate where your credit score should be before applying for a card. But we can’t guarantee that you’ll be approved for any particular card—that’s up to the issuer.

Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool

Additional perks of owning this card

Earn an annual $200 cash bonus every year you spend $200,000 or more.

The Fine Print

PURCHASES APR	No APR; pay off your balance in full every month to avoid a 2.99% late fee.
FOREIGN TRANSACTION FEE	0%