Let’s cut to the chase: You spend money. You want cash back.
That’s exactly what the Capital One Spark Cash Plus delivers—straight-up, unlimited 2% cash back on every business expense (no limits or category restrictions).
Every dollar you spend earns 2% cash back, period.
And if your business spends big, you’re going to love this next part:
5% cash back on hotels and rental cars booked through Capital One Travel
A $2,000 cash bonus when you spend $30,000 in the first 3 months
An additional $2,000 bonus for every $500,000 spent in the first year
Your $150 annual fee is refunded every year you spend at least $150,000
Yes, there’s an annual fee of ($150), but if you’re running a high-spending business, the benefits far outweigh the cost.
Here’s everything we’ll dive into:
Pros and Cons
Let’s get into it, shall we?
Pros:
2% unlimited cash back on every purchase.
5% cash back on hotels and rental cars booked through Capital One Travel.
No preset spending limit, so your purchasing power grows with your business.
No foreign transaction fees.
$2,000 cash bonus when you meet the initial spend requirement.
Annual fee refund if you spend $150K+ per year.
Cons:
$150
Full balance due each month (since it’s a charge card, not a traditional credit card)
Why This Card Is Perfect for High-Spending Businesses
If your business racks up expenses fast, you need a card that can keep up.
The Spark Cash Plus is designed for high spenders, offering a flat 2% cashback on every purchase—with no limits.
For businesses spending $10,000 per month, that’s $2,400 in cash back per year—with zero effort.
Oh, and if your business spends $150,000+ per year, Capital One throws in an extra $150 annual cash bonus to refund the annual fee on top of your earnings.
No categories to activate. No special spending rules. Just straight cash back on everything.
If you want simple, unlimited rewards without micromanaging your expenses, this card is about as easy as it gets. 🙂
Charge Card vs. Credit Card
Unlike traditional credit cards, the Spark Cash Plus is a charge card—meaning there’s no preset spending limit and you must pay your balance in full each month.
Why is this a big deal?
Higher purchasing power – Your spending capacity adjusts based on your business needs.
No worrying about credit limits – Need to drop a big payment? You’re covered.
No accumulating interest – Because the balance is due in full each month.
For businesses that move a lot of money and need flexibility, a charge card like this just makes sense.
To Wrap Things Up
If you want a simple, high-earning business card that doesn’t make you track bonus categories, this is the one!
With 2% unlimited cash back, a generous welcome offer, no preset spending limit, and no foreign transaction fees, it’s a perfect fit for businesses with high expenses.
The annual fee pays for itself quickly, and if you’re spending $150K+ per year, the extra $150 cash bonus is just free money.
Bottom line? If you prefer cash over points and value simplicity over complicated rewards programs, this card deserves a home in your wallet. 💸
