Capital One Spark Cash Plus Business Card: Up to $3,000 Cash Bonus (Limited-Time Offer)

The Capital One Spark Cash Plus Card is a rewards business charge card offering a BIG early spend bonus offer in addition to ongoing 2% cash back on all purchases (or better). Instead of a standard credit card where you can carry a balance and pay interest, this is a charge card where the balance is due in full every month. Here are the highlights:

  • Limited-time offer: Up to $3,000 cash bonus. $500 once you spend $5,000 in the first 3 months, and $2,500 once you spend $50,000 in the first 6 months of account opening.
  • Unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions
  • Additional annual $200 cash bonus every year you spend $200,000 or more.
  • Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile.
  • Add employee cards for free, and earn unlimited 2% cash back from their purchases
  • Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount.
  • $150 annual fee.

Consider that if you exactly meet both of the spending requirements above ($5,000 within first 3 months and $50,000 within first 6 months), you will end up with the $3,000 cash bonus plus $1,000 from 2% cash back = $4,000 cash total. That’s effectively 8% back on $50,000 of business card spending!

This card does have a $150 annual fee, which makes it best suited for businesses with significant spending needs. You get an additional $200 cash bonus every year you spend $200,000 or more. That may seem like a lot, but many businesses make a lot of purchases for raw materials and/or inventory.

Compare against the Capital One Spark Miles For Business which offers 2X miles and Global Entry/TSA PreCheck credit. If you also hold the Spark Miles, Capital One Venture, or the Capital One Venture X rewards cards, you can convert your cash back rewards into their “miles”, which are then transferrable to various airline miles programs including British Airways Avios. With the right companion card, $4,000 in cash rewards could be converted to 400,000 miles.

Also see: Top 10 Best Small Business Credit Card Bonus Offers.


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