Earning Rates

The Spark Cash Plus Card earns unlimited cash back at the following rates:

  • 5% cash back on hotels and rental cars booked through Capital One's travel booking site.
  • 2% cash back on all other purchases for your business, everywhere, no limits or category restrictions.

Key Benefits

Here are the main benefits of the Spark Cash Plus Card:

  • Annual Fee Refund: Get your $150 annual fee refunded every year you spend at least $150,000.
  • Travel & Purchase Coverage: Roadside Assistance and Extended Warranty.

Fees

Annual Fee

The Spark Cash Plus Card has a $150 annual fee.

If your business spends over $150,000 per year (which is $12,500 per month), the annual fee will be refunded and this card will easily be worth having because it basically becomes a no-annual fee 2% back business card.

If you don't plan on spending that much and you're just trying to choose between this card or the no annual fee 1.5% back Spark Cash Select Card, the breakpoint is $2,500 per month. If you plan on spending over $2,500 per month ($30,000 per year), then this is the better card. If you plan on spending less, get the no annual fee version.

Authorized User Fee

There is no fee to add authorized users to the Spark Cash Plus Card. Additional employee cards can help build cash back faster and help you push towards the annual fee rebate.

Foreign Transaction Fee

The Spark Cash Plus Card has a 0% foreign transaction fee. That makes this an excellent choice for businesses that deal with international travel and/or spending.