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New Mega $3,000 Offer On The Capital One Spark Cash Plus

- Jan 25, 2022 Credit Card Offers, News0 comments

Update: Offer expired.

Capital One just released a new mega offer on the Spark Cash Plus card!

For a limited time, earn up to a $3,000 cash bonus: $1,500 once you spend $20,000 in the first 3 months, and an additional $1,500 once you spend $100,000 in the first 6 months

Capital One Spark Cash Plus>>

10 things you should know before you apply for the Spark Cash Plus

This is the highest offer I’ve ever seen. Here are 10 things you should know before going for the card.

1. $150 annual fee

The Spark Cash Plus has a $150 annual fee. However, you can get $200 cashback every year if your business spends at least $200,000 or more per year on the card. Capital One is trying to attract big businesses who spend a lot. So as long as your business can spend $200,000 a year, the annual fee will be offset by the $200 credit.

2. 2% cashback on all purchases

With the Spark Cash Plus you earn 2% cashback on all purchases. This makes the card a top earner for business. Thousands of businesses have already switched over to the Spark Cash Plus, now’s the time for you to make the change. 

You will earn many more rewards with this card than with other business cards.

3. Transfer to airline points

The cashback you earn with the Spark Cash Plus can be transferred over to airline points. Each penny will turn into one point. 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 or a Spark Miles card.

4. Does not report on personal credit report

The Spark Cash Plus is the only Capital One business card that does not report on your personal credit report. 

5. Get the bonus again

The good news is that you can apply for the card and get the bonus even if you’ve already received the bonus in the past. I do recommend, if you’re applying for a second time, to apply under a different business name. The official terms of Capital One state that if you’re already a Spark card member then you “may” not be eligible for the bonus. But in my experience you do get it.

6. Pulls all three credit bureaus

When applying for the Spark Cash Plus, Capital One will pull your credit from all three credit bureaus; Experian, Transunion, and Equifax. You are able to freeze one of the credit bureaus and still get approved for the card.

7. You can apply without an LLC

You can apply for the Capital One Spark Cash Plus card even if you don’t have an LLC or C-Corp. See instructions here.

8. The card does not have a preset spending limit

The Spark Cash Plus is a charge card so there is no pre spending limit. You must pay your balance in full each month. But spending power adds up nice and quick and I’ve seen consumers swiping hundreds of thousands a month, easily, with the card.

9. The card cannot be downgraded

The Spark Cash Plus cannot be downgraded to a Capital One card with a lower fee. However, being that it is a business card that does not report on your personal credit report, if you decide you don’t want the card after a year, you can simply close the account. It will not affect your credit. 

10. This is the Spark Cash Plus Card

This is the Capital One Spark Cash “Plus” card, which should not be confused with the Capital One Spark Cash card. 

This past summer, Capital One discontinued the Spark Cash card and released the Spark Cash Plus card. 

People are confusing the two cards so make sure you don’t! Even if you already have the Spark Cash you can now get the Spark Cash Plus.


The Capital One Spark Cash Plus is a no brainer if your business can swipe $50,000 within 6 months. Run as fast as you can!

Capital One Spark Cash Plus>>

Was this article helpful?

Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.

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