Toni Perkins Contributor July 29, 2026 • 10 min read Jump to section Facebook Twitter LinkedIn Copy URL Email The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information. Editor's Note This is a recurring post, regularly updated with new information and offers. With a $150 annual fee (see rates and fees ), the Capital One Spark Cash Plus card earns 2% cash back on every purchase, making it a great option for business owners who value simplicity. Whether you're buying office supplies or taking clients out to dinner, you'll earn the same rewards rate each time you use it. Card rating*: ⭐⭐⭐ ½
The Spark Cash Plus is a business charge card that earns unlimited 2% cash back on all purchases. It carries a $150 annual fee (see rates and fees ), but businesses that spend at least $150,000 each year can earn the fee back as an annual statement credit.
Unlike a traditional credit card, the Spark Cash Plus has no preset spending limit. You'll need to pay your balance in full each month, though eligible purchases can be carried over time with interest through Capital One's Pay Over Time feature. The card also charges no foreign transaction fees and lets you add employee cards at no additional cost (see rates and fees ).
If you also have an eligible Capital One miles-earning card, you can convert your cash-back rewards into transferable Capital One miles.
TPG recommends a credit score of 740 or higher, but you may be able to get approved with a lower score.
Earn bonus cash back on every purchase No foreign transaction fees No preset spending limit Has a high annual fee (see rates and fees ) High spending requirement to refund annual fee (see rates and fees ) Card balance must be paid in full every month, with the option to pay over time Spark Cash Plus benefits The Spark Cash Plus isn't packed with premium travel perks or statement credits. Instead, it offers a few practical benefits that make it a better fit for businesses with high spending.
If your business spends $150,000 or more each year, you'll receive your $150 annual fee (see rates and fees ) back as a statement credit. That's a lot of spending, but businesses with significant operating expenses will have no trouble reaching that threshold.
As with all Capital One credit cards, you'll enjoy no foreign transaction fees when you make purchases abroad (see rates and fees ).
You can add employee cards at no additional cost (see rates and fees ), and spending is consolidated into your account.
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Eligible purchases made with the Spark Cash Plus receive an extended warranty beyond the original manufacturer's warranty, providing a little extra protection on business purchases. Terms apply.
One of the Spark Cash…