Review
Capital One Spark Cash Plus Review: Unlimited Cash Back for Big Spenders
Looking for a business card that rewards big spending? Our review breaks down the Capital One Spark Cash Plus, with its unlimited 2% cash back and how it stacks up for large-scale operations.
Capital One
Spark Cash Plus
| Annual Fee | $150.00 |
| Sign-up Bonus | $2,000 cash bonus |
| Rewards Rate | 2% Cash Back |
| Regular APR | Your balance is due in full every month which means there is no APR. |
| Other Fees | If you don’t pay off the balance in full, you will be charged a late fee of 2.99% on your outstanding statement balance and your account will be considered past due until we receive your payment in full. No foreign transaction fees |
Overview
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Free employee cards
- Business travel portal
- Purchase records
- Virtual card numbers
Things to consider
- Annual fee
- Requires excellent credit
- Must pay balance in full each month
Benefits
Drawbacks
Decision Guidance
Summary
The Spark Cash Plus card is a mixed bag. Its strengths lie in its generous cash back rewards program, offering a flat 2% on all purchases and 5% on travel booked through Capital One. The sign-up bonus is potentially very large, but requires very high...