Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Tricia Tetreault, Fit Small BusinessThe Capital One® Spark Cash Plus card is a great option for businesses that can pay their balances in full every month and for those that need a flexible credit card. If you can’t commit to paying your full balance monthly, it’s best to find another card that offers a low ongoing APR.
- Ben Schlappig, One Mile at a TimeThe Capital One Spark Cash Plus is a lucrative business card that offers 2% cash back on all spending with no foreign transaction fees, a $200 bonus when you spend $200,000 on the card in a year, and has no pre-set spending limit. Add in the card’s current $3,000 cash back welcome bonus (which is en...
- Rebecca Lake, MyBankTrackerThe is suited to business owners who want to earn a flat rate of cash back rewards and don't mind paying an annual fee. This card could work well for you if you primarily charge everyday business expenses versus travel. You'd likely want to explore other card options if you'd prefer to earn points o...
- Brett Holzhauer, CNBCThe Capital One Spark Cash Plus Credit Card is a great business cash-back credit card to have in your wallet if you want a simple rewards-earning structure. However, before you apply for the card, ensure that the $150 annual fee is worth it. If it isn’t, you may want to consider a different business...
- Holly Johnson, NextAdvisorIf your business spends a lot each year and you don’t want to be tied down to a card with a preset spending limit, the Capital One Spark Cash Plus could be for you. While this card may be most valuable for businesses with very large budgets, you can still maximize your spending with 2x rewards on ev...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
|
| Balance Transfer Interest Rate |
|
| Cash Advance Interest Rate |
|
| Rates & Fees | |
| Annual Fee |
$150.00 Waived on the first year. |
| Balance Transfer Fee | |
| Cash Advance Fee | |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
2.99% Monthly late fee |
| Promotions | |
| Sign up bonus |
$500 after spending $5,000
|
| Rewards | |
| All Purchases | 2% cash back |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Additional Details |
Earn an annual $200 cash bonus every year you spend $200,000 or more. |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | Yes |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | No |
| Virtual Cards | Yes |
| Additional Benefits |
Roadside Assistance |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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