Spark Cash Plus
A charge card (paid in full each month, no revolving balance) with a flat 2% back and a spending limit that flexes with your business's payment history rather than a fixed credit line.
Spark Cash Plus at a glance
Issued by Capital One. Terms and rates subject to change — confirm before applying.
The facts
- Annual fee
- $150 (waived first year)
- Credit needed
- Excellent
- Regular APR
- Pay in full (charge card)
- Foreign transaction fee
- None
Rewards
Unlimited 2% cash back on every purchase
Intro offer
Cash bonus after minimum spend in the first 3 months
Spark Cash Plus's annual fee vs. the cheapest and priciest cards on the marketplace
Spark Cash Plus vs. similar Cash back
| Criterion | Spark Cash Plus | Ink Business Unlimited® | Ink Business Cash® |
|---|---|---|---|
| Annual fee | $150 (waived first year) | $0 | $0 |
| Regular APR | Pay in full (charge card) | Variable, ~18–24% | Variable, ~18–24% |
| Foreign transaction fee | None | 3% | 3% |
| Credit needed | Excellent | Good/Excellent | Good/Excellent |
Same category, side by side — the right pick depends on which of these differences actually matches how your business spends.
Spark Cash Plus charges no foreign transaction fee, but that's not universal in its category — some cards with a similar rewards structure add 2.7-3% on every international charge. If you're comparing cards, confirm this line specifically; it's easy to overlook next to the headline rewards rate.
Pros
- +2% flat rate is among the highest available
- +No preset spending limit
- +No foreign transaction fee
Cons
- −$150 annual fee after year one
- −Must be paid in full — no ability to carry a balance
Spark Cash Plus has a $150 (waived first year) annual fee, requires excellent credit, and carries a Pay in full (charge card) regular APR. Compare these against your spending patterns — the fee only makes sense if the rewards exceed it.
Who this card is best for
Higher-spend businesses that want no preset spending limit
We don't have a partnership with Capital One — the link above goes straight to their official page with no tracking or referral code. Rates and offers are set by the issuer and change over time; confirm current terms before applying.