Credit card review
Capital One Spark Cash Plus for Business Review
Capital OneMastercardBusinessCash back
Capital One Spark Cash Plus for Business earned 4.4 / 5 in our 2026 review. The Capital One Spark Cash Plus for Business earns 5% on hotels capital one travel with a $150 annual fee, a $1,200 cash bonus welcome offer. Here is the full Fintiex review for 2026.
By the Fintiex Card Desk · Updated 2026-04-29
TL;DR
Annual fee
$150
Signup bonus
$1,200
Top reward rate
5% on hotels capital one travel
Intro APR
None
Issuer
Capital One
Network
Mastercard
Min credit score
690
Fintiex rating
4.4 / 5
Pros
- +Unlimited 2% cash back on every purchase
- +5% on hotels and rental cars booked via Capital One Travel
- +$1,200 cash bonus: $500 after $5,000 in first 3 months plus $700 after $50,000 in first 6 months
- +Annual fee refunded if you spend $150,000 or more
- +No foreign transaction fees
- +No preset spending limit (charge card, not a revolving credit card)
- +Free employee cards
- +Year-end itemized reports for tax time
- +24-hour travel and emergency assistance
Cons
- -$150 annual fee (waived at $150,000 spend)
- -Charge card - balance must be paid in full each month
- -No intro APR (charge card structure)
- -$30,000 total spend required to unlock both bonus tiers
- -High spend thresholds for signup bonus
Rewards detail
hotels capital one travel
5%
rental cars capital one travel
5%
everything else
2%
Rates and fees
Annual fee
$150
Purchase APR
0%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
0%
Cash advance APR
0%
Balance transfer fee
None
Foreign transaction fee
None
Who it's for
The Spark Cash Plus for Business is built for people who want a business or cash back card. Most approvals land at FICO 690 and above, but issuers prefer scores near 720. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.
Not sure this is the right fit? See our best business cards roundup.
Compare with similar cards
Frequently asked questions
Does the Spark Cash Plus for Business have a foreign transaction fee?
No. The Capital One Spark Cash Plus for Business charges no foreign transaction fees, so it works well for travel abroad. You pay the same network exchange rate you would get at home.
What credit score do I need for the Spark Cash Plus for Business?
Approvals typically start around a FICO score of 690, but Capital One prefers 720 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
How much is the Spark Cash Plus for Business signup bonus?
New cardholders earn $1,200 cash bonus after spending $30,000 in the first few months. Fintiex values that at about $1,200 based on current redemption rates. Match the bonus to a real planned purchase so you do not overspend chasing it.
Does the Spark Cash Plus for Business have a 0% intro APR offer?
No. The Capital One Spark Cash Plus for Business does not currently offer a 0% intro APR period. The standard variable purchase APR is 0%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Spark Cash Plus for Business?
$150 per year. To break even you need to earn enough rewards and credits to cover that fee. We walk through the math in the rewards detail section above.
Is the Spark Cash Plus for Business worth it?
Fintiex rates the Capital One Spark Cash Plus for Business 4.4 out of 5 for 2026. It is best for business and cash back. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.
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