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Advertiser Disclosure

Although we put in a lot of effort to give our readers unbiased information, and we include many credit card offers on our website for which we do not get paid any compensation, we are legally required to notify you that we may be receiving compensation from some of the credit card companies mentioned on our website.

Some of the credit card offers which appear on helpmebuildcredit.com are from credit card companies from which this site possibly receives compensation. This compensation may impact how and where credit card offers appear on this site. This site possibly does not include all available credit card offers.

 

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Advertiser Disclosure: Help Me Build Credit has partnered with advertising partners for our coverage of credit card products. Help Me Build Credit and our advertising partners may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the authors alone

welcome offer

Earn $1,200 after spending $30,000 within the first 3 months.

Bonus Value

Approximately $1200

Annual Fee

$150

Card Rewards

5% cashback on hotels and car rentals booked through Capital One Travel

Unlimited 2% cashback on all purchases

Add to compare

Advertiser Disclosure: Help Me Build Credit has partnered with advertising partners for our coverage of credit card products. Help Me Build Credit and our advertising partners may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the authors alone

Author - Sam Updated: March 12, 2024 | Credit Card Review
Card Overview

The card_name is the new and improved Capital One Spark Cash card. The card earns unlimited 2% cashback on all purchases. You get great purchase power as the card does not have a preset credit limit. Plus, every year your annual fee of $150 will be refunded if you spend $150,000 or more in the calendar year. Another cool thing about the card_name is that the cashback you earn can be transferred over to miles. Each penny will turn into one mile. But please note, you will need to have a Capital One card that earns miles in order to do so. Mile cards can either be a Capital One Venture card (all flavors) or a Spark Miles card.

Card-Smart Tips & Advice
  • Recommended credit: Excellent credit is usually needed
  • Step by step guide how on to apply without an LLC or C-Corp
  • Not reported on personal credit reports: This Capital One Spark Plus Business Card does not get reported on your personal credit report.
  • Credit bureau: Capital One will usually pull your Experian, Transunion, and Equifax credit reports
  • If you freeze one credit bureau you can still get approved.
  • Only one charge card: Capital One limits you to only one charge card so if you currently have this card open or if you have the card_name then you will not get approved. If you prefer to have this card rather than the card_name, you can close your card_name and you will be eligible for the card a few days later.
  • Combining same-day credit inquiries: Credit inquiries for same-day applications will be combined.
  • Check application status: You can  check your application status by calling 1 800 903 9177 or 1 877 277 5901
  • Reconsideration: If declined you can call 1 800 625 7866 to be reconsidered (Capital One will usually only reconsider an application due to application error)
  • Quickest way to get my card: Your new card will be available in your Capital One app immediately after you get approved (you might need the 3 digit security code on the back of your card to access it, which means you must wait for your physical card to arrive). Capital One physical credit cards cannot be expedited, only sometimes for replacement cards for a fee

Approval Monitor (submitted by HelpMeBuildCredit users)

78% Approved
751 Avg. Score of those approved
22% Denied
Approved 78% (52)
Denied 22% (15)
Credit limit rangeN/A
Approved 78% (52)
Denied 22% (15)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application

Welcome Offer Eligibility
You can earn the welcome bonus again even if you received the bonus in the past. Please note, Capital One limits you to only one charge card so if you currently have this card open you will not be able to get it again.
Card Details And Benefits
Annual fee refund

Get $150 annual fee refund every year your business spends $150,000 or more on your card.

Auto Rental Collision Insurance

Worldwide primary coverage on rentals for business purposes. Coverage is for rentals up to 31 days. Covers vehicle with MSRP up to $50,000. (excluding rentals in Israel, Jamaica, the Republic of Ireland, or Northern Ireland).

Credits

Get $150 annual fee refund every year your business spends $150,000 or more on your card.

Extended Warranty Protection

Get your original manufacturer’s warranty time doubled (up to an additional year). (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim, $50,000 per account.

Purchase Protection

Get refunded if your purchase is damaged or stolen, up to 90 days from the date of purchase. Max $10,000 per claim, $50,000 per account.

How can the points be used?
Cashback:

The points can be redeemed as cashback for 1 penny per point. 

Transfer to airline and hotel programs:

If you only have the Spark Cash Plus card then you cannot transfer your points to any partners.

But if you also have a Capital One Miles card, such as the: card_name, card_name, card_name, card_name, or the Capital One Spark Miles Select Business Card, then you can transfer your points to one of these cards and then transfer your points to any of the following airline or hotel partners.

Airline partners:

  Transfer Ratio  Transfer time
Aeromexico, Club Premier 1:1 Instant
Air Canada, Aeroplan 1:1 Instant
Air France KLM, Flying Blue 1:1 Instant
Avianca, Lifemiles 1:1 Instant
British Airways, Executive Club 1:1 Instant
Cathay Pacific, Asia Miles 1:1 5 business days
Emirates, Skywards 1:1 Instant
Etihad Guest 1:1 24 hours
EVA Infinity, MileageLands 2:1.5 36 hours
Finnair Plus 1:1 Instant
Qantas, Frequent Flyer 1:1 24 hours
Singapore Airlines, KrisFlyer 1:1 36 hours
TAP Portugal, Miles&Go 1:1 Instant
Turkish Airlines, Miles&Smiles 1:1 Instant

Hotel partners:

Transfer Ratio  Transfer time
ALL Accor  2:1 1 business day
Choice Privileges 1:1 Transfers will not be available until later on this year
Wyndham Rewards 1:1 Instant

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Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.

Advertiser Disclosure: Help Me Build Credit has partnered with advertising partners for our coverage of credit card products. Help Me Build Credit and our advertising partners may receive a commission from card issuers.

The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the authors alone

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