Capital One Spark Cash Plus
- Categories
- Finance
$150 annual fee, unlimited 2% cash back, $1K welcome bonus. Best flat-rate cash-back business card.
💸 Best flat-rate
Apply at capitalone.com. Capital One does a hard pull on personal credit. The Spark Cash Plus requires good-to-excellent personal credit (700+ FICO typically).
The Capital One Spark Cash Plus is the simplest, most predictable business card. $150 annual fee, unlimited 2% cash back on everything, no foreign transaction fees, $1,000 welcome bonus when you spend $30K in 3 months. Cash back is straight cash — no point conversion, no category tracking. For businesses where category mapping isn't worth the effort, this is the right pick.
Pros
- Unlimited 2% cash back on all spend
- Simplest rewards structure
- No foreign transaction fees
Cons
- No travel partner transfers (cash back only)
- Less optimized than category-based cards for high-category-spend businesses
Related articles
This article contains affiliate links.