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Capital One Spark Cash Plus

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

welcome offer

Earn a total of $3,000. Earn $1,500 after spending $20,000 within the first 3 months. Plus, earn an additional $1,500 after spending a total of $100,000 within the first 6 months.

Bonus Value

Approximately $3000

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

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

Author - Sam Updated: February 22, 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

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
Credits

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

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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Savor Rewards

*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

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

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