Capital One
Spark Cash Plus
What it is
The Spark Cash Plus is a Capital One business card earning cash back. It's mainly a sign-up-bonus play: earn the bonus, then keep or close. A flat 2% cash-back business charge card with a large, recurring welcome bonus and no preset spending limit. It doesn't report to your personal credit, and the $150 fee is refunded in any year you spend $150,000 — cheap for high-volume spenders.
Offer history
Value is the welcome bonus at your valuations. The Year 1 total also counts recurring benefits and subtracts the annual fee. Spend / mo (the dashed line, right axis) is the monthly pace to clear the minimum spend in time — shown on every view so the spend stays in context.
| Offer | Bonus | Value | Year 1 | Return | Date |
|---|---|---|---|---|---|
PUBLIC | $2,000$30k · 90d | $2,000 | $1,850 | 7% | Dec ’25 |
PUBLIC | $1,200$30k · 90d | $1,200 | $1,050 | 4% | Aug ’24 |
PUBLIC ATH | $3,000$50k · 90d | $3,000 | $2,850 | 6% | Mar ’22 |
What you get
No recurring benefits — this card’s value is its welcome bonus, not ongoing perks.
The receipt
default values| SUB value | +$2,000 |
| $2,000 cashback (face value) | |
| Ongoing benefits (yr 1) | +$0 |
| Annual fee | −$150 |
| Year 1 | $1,850 |
| Return on $30k MSR | 7% |
Your score sharpens once you sign in — we add eligibility, spend-fit, and 5/24.
Related cards
Spark Cash Plus scores 8 here on default point values. See where it ranks against every card, scored for your points, spend, and eligibility.
Open the ranked table →