VisaCapital One Spark Cash Plus
Uncapped 2% for businesses that spend big and pay in full.
Welcome Bonus
$2,000
≈$2,000 value
Spend Requirement
$30,000
in 3 months
Annual Fee
$150
No FTF
Credit Score
740+
(Excellent)
Current offer note: $2,000 cash bonus, plus $2,000 more for every $500,000 spent in year one
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 2xAll purchases
- 5xHotels and rental cars via Capital One Travel
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Charge card with no preset spending limit
- ✦Annual fee refunded every year you spend $150,000 or more
- ✦Free employee and virtual cards
- ✦No foreign transaction fees
Why it earns its spot
- +Uncapped 2% with a spending capacity that flexes to your business
- +$2,000 bonus is large for a cash back card
- +Fee effectively disappears at $150k annual spend
Where it costs you
- −Balance must be paid in full every month
- −Thin value below $150k of annual spend
The Compound Verdict
Built for the business that puts six figures a year on plastic. The flexible limit solves the real problem high-volume businesses have with credit cards, and 2% uncapped does the rest. Low spenders should take the Spark Cash Select instead.
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