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With a $150 annual fee (see rates and fees<\/a><\/span>), the Capital One Spark Cash Plus<\/a><\/span> card earns 2% cash back on every purchase, making it a great option for business owners who value simplicity. Whether you’re buying office supplies or taking clients out to dinner, you’ll earn the same rewards rate each time you use it. Card rating*:<\/strong> \u2b50\u2b50\u2b50\u00bd<\/strong><\/p>\n The Spark Cash Plus<\/a><\/span> is a business charge card that earns unlimited 2% cash back on all purchases. It carries a $150 annual fee (see rates and fees<\/a><\/span>), but businesses that spend at least $150,000 each year can earn the fee back as an annual statement credit.<\/p>\n Unlike a traditional credit card, the Spark Cash Plus has no preset spending limit. You’ll need to pay your balance in full each month, though eligible purchases can be carried over time with interest through Capital One’s Pay Over Time feature. The card also charges no foreign transaction fees and lets you add employee cards at no additional cost (see rates and fees<\/a><\/span>).<\/p>\n If you also have an eligible Capital One miles-earning card, you can convert your cash-back rewards into transferable Capital One miles.<\/p>\n* Card rating<\/a><\/span> is based on the opinion of TPG’s editors and is not influenced by the card issuer.<\/em><\/h6>\n
\nSpark Cash Plus: The basics<\/h2>\n