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Capital One Spark Cash Plus Business Card

About Capital One Business Banking

The Capital One Spark Cash Plus Business Card from Capital One is one of the top-rated Business Banking options evaluated on MoneyCompared, earning an overall product score of 9.1/10. No-preset-spending-limit business charge card earning an unlimited flat 2% cash back on every business purchase with no cap.

Key highlights include Pay-in-Full Charge Card (No APR), a fee structure of $150 Annual Fee (Refunded Every Year You Spend $150,000+), and $1,200 Cash Bonus Offer. Accounts are backed by Free Employee Cards + Downloadable Accounting Reports and supported by Capital One's 4.9 / 5.0-rated digital banking experience.

Features

Annual Fee	$150 Annual Fee (Refunded Every Year You Spend $150,000+)
Regular APR / Rate	Pay-in-Full Charge Card (No APR)
Intro Offer / Welcome Bonus	$1,200 Cash Bonus Offer
Savings APY / AER	Unlimited 2% Cash Back on Every Business Purchase + 5% Hotels/Rental Cars
Minimum Deposit	$0 Minimum
Foreign Transaction Fee	$0 (None)
Deposit Insurance	Free Employee Cards + Downloadable Accounting Reports
Mobile App Rating	4.9 / 5.0
Overall Rating	9.1 / 10

About Product

Annual / Monthly Fee: $150 Annual Fee (Refunded Every Year You Spend $150,000+)
APR / APY Rate: Pay-in-Full Charge Card (No APR)
Intro Offer / Bonus: $1,200 Cash Bonus Offer
Key Benefits: Unlimited 2% Cash Back on Every Business Purchase + 5% Hotels/Rental Cars
Minimum Requirement: $0 Minimum
Foreign Transaction Fee: $0 (None)
Protection: Free Employee Cards + Downloadable Accounting Reports

Pros

Rate / APR / APY: Pay-in-Full Charge Card (No APR)
Fee Structure: $150 Annual Fee (Refunded Every Year You Spend $150,000+)
Welcome Offer / Benefit: $1,200 Cash Bonus Offer
Rewards & Highlights: Unlimited 2% Cash Back on Every Business Purchase + 5% Hotels/Rental Cars

Cons