Capital One Spark Cash Plus
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No Preset Spending Limit
Charge Card (No APR)
Annual Fee Refunded with $150K Spend
$2,000 Bonus for Every $500,000 Spent (First Year)
No Foreign Transaction Fees
Free Employee Cards (2% Cash Back)
Combine Cash Back with Capital One Venture
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
The Capital One Spark Cash Plus is a great option if you have a lot of expenses coming up.
This business card generally is known to NOT report to personal credit reports so it should not add to your 5/24 count.
Overall this is a strong card option if you can meet the spend requirements. Because you earn 2% cash back, you'll have earned $2,600 cash back total after spending $30,000. It would be a great card to add to my Three Year Plan if you have high expenses.
Note that this does require to you pay off your bill in full each month.
You could redeem that as cash back — or if you have a card that earns Venture miles you'll be able to move your cash back over to Venture miles and from there, transfer them to a variety of travel partners. If you move $1,500 cash back over, it becomes 150,000 Venture miles.
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| $2,000 Cash Back + $2,000 per $500K spent in year 1CurrentElevated | $30,000 in 3 months | Present |
| Previous tiered offers | Up to $50,000 in spend | Earlier offers required higher spend |
| $1,200 Cash Back | $30,000 in 3 months | Previous offer |
