Offer value details
Capital One lists Spark Cash Plus with a $2,000 welcome cash bonus after $30,000 in purchases in the first three months, plus additional first-year cash bonus potential for very high spend.
Qualification requirements
Earn $2,000 after $30,000 in purchases during the first three months. An additional $2,000 is offered for each $500,000 spent in year one.
Fees and costs
The $150 annual fee is refunded after $150,000 in net purchases by the membership anniversary, within two billing cycles afterward. The card is designed for full payment; eligible carryover balances incur interest, and missing the minimum payment triggers a 2.99% late fee.
Availability
Approval depends on business and applicant creditworthiness and Capital One eligibility rules.
What to verify
- The spend requirement is high and unsuitable for manufactured or unnecessary spending.
- Charge-card payment terms and interest/carryover rules should be reviewed carefully.
- Business card applications can affect credit.
Confirm current provider terms
Rates, rewards, fees, qualification rules, eligibility, and deadlines can change. Review the provider terms before applying.