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Author - Sam
Updated: April 15, 2025 | Credit Card Review 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.
- 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)
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
Get $150 annual fee refund every year your business spends $150,000 or more on your card.
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).
Get $150 annual fee refund every year your business spends $150,000 or more on your card.
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.
No foreign transaction fee
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.
The points can be redeemed as cashback for 1 penny per point.
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 15+ Capital One Transfer 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 |
