Capital One · Business credit card

Capital One Spark Cash Plus

Capital One Spark Cash Plus is a business credit card from Capital One. Its recorded annual fee is $150. Browse its rewards, rates, offer conditions and issuer sources below. Confirm current application terms with Capital One.

21 source-checked details10 details incomplete or awaiting review

Issuer website checked 2026-10-27. Individual fields show their own source and review state.

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Research by SwitchWize Research Desk · Our methodology

Key card details

“Not verified” means we have not confirmed this detail yet. This does not mean the card lacks the feature.

Annual fee: $150; Read on issuer website; research review pending
Public welcome offer: $2,000 cash back; Read on issuer website; research review pending
Offer spend requirement: $30,000; Read on issuer website; research review pending
Bonus spending deadline: 3 months; Read on issuer website; research review pending
Purchase interest rate (APR), low: 25.99%; Read on issuer website; research review pending
Purchase interest rate (APR), high: 25.99%; Read on issuer website; research review pending
Foreign transaction fee: 0%; Verified in issuer information
Reward earning rates: Unlimited 2% cash back on purchases; 5% on hotels, vacation rentals and rental cars through Capital One Business Travel.; Read on issuer website; research review pending

Offer and fee conditions

$2,000 after $30,000 in first 3 months; additional $2,000 for every $500,000 spent in first year. Prior business cardholders may be ineligible.

Researched terms and benefits

Annual fee: $150Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Public welcome offer: $2,000 cash backRead on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Offer reward type: cashRead on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Offer spend requirement: $30,000Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Bonus spending deadline: 3 monthsRead on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Offer conditions: $2,000 after $30,000 in first 3 months; additional $2,000 for every $500,000 spent in first year. Prior business cardholders may be ineligible.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Purchase interest rate (APR), low: 25.99%Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Purchase interest rate (APR), high: 25.99%Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Foreign transaction fee: 0%Verified in issuer information · Checked Oct 27, 2026Open source for this field ↗
Reward earning rates: Unlimited 2% cash back on purchases; 5% on hotels, vacation rentals and rental cars through Capital One Business Travel.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Statement credits and benefits: $150 annual-fee statement credit after $150,000 net purchases by membership anniversary.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Transfer partners: Not verifiedNo verified value available
Repayment structure: Pay in Full balance must be paid monthly; eligible balances can be carried with interest up to a Pay Over Time limit.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Purchase APR applicability: Variable APR applies to Pay Over Time purchases.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Personal responsibility for repayment: Business and authorizing signatory are liable, individually, jointly and severally, for account charges.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Personal credit inquiry: Capital One is authorized to check the business and authorizing signatory credit records and employment history.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Personal credit reporting: Late payments, missed payments or other defaults may be reflected on personal credit reports.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Business credit reporting: Statement balances, late payments, missed payments and other defaults may be reflected on business credit reports.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Eligible business types: Authorized business representative; at least 18 with valid SSN or ITIN and eligible U.S. address.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Application information required: Personal legal name, contact information, SSN, housing payment; business tax ID/EIN (SSN for sole proprietorship), revenue, monthly spend, beneficial-owner/controller details.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Employee card fees: Free employee and virtual cards.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Employee card controls: Account managers can purchase, pay, review transactions and resolve issues; expense records and virtual cards.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗

Questions about Capital One Spark Cash Plus

What is the annual fee for Capital One Spark Cash Plus?

$150 Offer and fee conditions: $2,000 after $30,000 in first 3 months; additional $2,000 for every $500,000 spent in first year. Prior business cardholders may be ineligible.

How does Capital One Spark Cash Plus earn rewards?

Unlimited 2% cash back on purchases; 5% on hotels, vacation rentals and rental cars through Capital One Business Travel.

Does applying involve a personal credit check?

Capital One is authorized to check the business and authorizing signatory credit records and employment history.

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