Spark Cash Plus
This card is for businesses with large monthly spend that pay the balance in full. Every purchase earns 2% cash back with no caps, and the $150 annual fee is refunded every year you spend at least $150,000. New accounts can earn a $2,000 cash bonus after $30,000 in the first 3 months, plus $2,000 for every $500,000 spent in the first year. The caveat: the card is designed to be paid in full, and missing the minimum payment triggers a 2.99% late fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Annual fee refunded at $150,000 in yearly spend
- No cap on 2% cash back
- No foreign transaction fees
- 5% on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Annual fee: $150
- Regular purchase APR: Designed to be paid in full each month
- Late payment fee: 2.99% if the minimum payment is not paid by the due date
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on September 30, 2026 and may change.
- Your business spends well into six figures a year and pays in full.
- You want a flat 2% with no categories across the whole team.
- You can reach $30,000 in 3 months for the $2,000 bonus.
- You should skip it if you need to carry a balance: the card is designed to be paid in full.
Score guess
Guess your credit score
Drag the dial to your best guess. Then see which cards people around that score got approved for.
A guess, not a credit check: nothing here touches your credit. Score ranges from FICO.
Your guess: 700
Approved at 670 to 739
Approval results for this card
25 results: 24 approved, 1 denied. Approval rate 80% of decided applications.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | 740 to 799 | Not sure | - | - | Jul 2026 |
| Approved | 740 to 799 | Not sure | - | - | Feb 2026 |
| Approved | 670 to 739 | Not sure | - | NY | Jan 2026 |
See all 25 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.
