Credit Cards (US)

Capital One Spark Cash Plus review

Capital One Spark Cash Plus offers unlimited rewards while providing good tools for you to manage your business better!

Capital One Spark Cash Plus: unlimited rewards with no APR

This is the Capital One Spark Cash Plus. Source: The Mister Finance.
This is the Capital One Spark Cash Plus. Source: The Mister Finance.

Capital One offers a wide range of credit cards designed for businesses. One of them is the Capital One Spark Cash Plus which we’ll review here! This card provides unlimited rewards with no APR.

Also, it features a complete package of perks.

Check out the summary right below!

Credit ScoreExcellent
Annual Fee$150
FeesCash advance: Either $3 or 3% of the amount of each cash advance, whichever is greater.
Late Payment: 2.99% of the unpaid portion of your minimum payment.
Regular APRNone
Welcome bonus$1,000 cash bonus
Rewards2% cash back
Capital One spark cash plus

How to apply for a Capital One Spark Cash Plus?

Capital One Spark Cash Plus card helps you manage your business finances. Check out how to apply!

Now, keep reading our Capital One Spark Cash Plus review to learn how it works and the advantages and disadvantages of applying for one!

Learn how a Capital One Spark Cash Plus works

Capital One features Spark Cash Plus, a credit card designed for businesses. 

Firstly, it offers unlimited 2% cash back on all purchases, with no restrictions. This rate can go up to 5% on travel spending through the Capital One Travel program.

In addition, this card provides a fantastic welcome bonus of $500 cash after you spend $5,000 within three months and an extra $500 once spending $50,000 within six months from the account opening.

You can also earn a $200 cash bonus annually once you spend at least $200,000.

Secondly, the Spark Cash Plus credit card doesn’t have APR since the balance is due in full each month. On the other hand, in case of being late, a 2.99% monthly late fee will be charged.

Furthermore, the card offers $0 Fraud Liability, an Extended Warranty, Roadside Assistance, and many more benefits for your protection and convenience.

As a card for businesses, it allows account manager assignment, purchase records, Year-End Summaries, free employee cards, and payment flexibility.

Plus, it doesn’t charge foreign transaction fees.

Moreover, there is no preset spend limit depending on your behavior, credit profile, and history.

On the other hand, an annual fee of $150 is charged and the credit level required is excellent.

Capital One Spark Cash Plus credit card highlights

Pick the best card for your business! Source: Freepik.
Pick the best card for your business! Source: Freepik.

The Capital One Spark Cash Plus is a good option for businesses. Besides the unlimited rewards, it allows managers to be in total control of expenses while enjoying exclusive benefits and security features.

The card gathers all a business needs, including reasonable fees.

Check out the complete list of advantages and disadvantages right below!

Advantages

  • It offers unlimited rewards and a fantastic welcome bonus;
  • There is no APR;
  • It provides a reasonable package of security features, including fraud protection;
  • It allows managers to have total control of expenses;
  • There is no preset spend limit depending on your credit profile and history.

Disadvantages

  • It charges an annual fee;
  • It requires an excellent credit score. 

Pre-approved credit cards for low credit score available now

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The credit level required is excellent, which means you need to be in the highest range of scores to be able to get approval for the application. 

Apply for a Capital One Platinum

Capital One Spark Cash Plus might be an excellent choice for you if you are a business owner. Check out how to apply!

Capital One spark cash plus

How to apply for a Capital One Spark Cash Plus?

Capital One Spark Cash Plus card helps you manage your business finances. Check out how to apply!

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

About the author  /  Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by  /  Aline Barbosa

Senior Editor

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