Capital One
Capital One Spark Cash Plus
4.4
Capital One Spark Cash Plus offers unlimited 2% cash back on all business purchases with no annual fee. It's an excellent straightforward option for small business owners wanting simplicity without fees.
The Bottom Line
Spark Cash Plus is the business equivalent of Citi Double Cash—flat 2% cash back on all business spending with no annual fee. It's ideal for business owners prioritizing simplicity over category optimization. Those willing to activate categories should choose Chase Ink Business Cash instead.
At a Glance
| Annual Fee | None |
| Cash Back Rate | Unlimited 2% on all business purchases |
| Caps | None |
| Card Network | Visa |
| Network | Visa |
| Rewards Rate |
Ready to get started with Capital One Spark Cash Plus?
Capital One Spark Cash Plus offers unlimited 2% cash back on all business purchases with no annual fee. It's an excellent straightforward option for small business owners wanting simplicity without fees.
Get Capital OnePros & Cons
Pros
- Unlimited 2% cash back on all business purchases
- No annual fee
- Simple, straightforward structure
- No caps on earning
- Cash back never expires
Cons
- No bonus categories (lower than optimized cards)
- Limited business-specific perks
- No introductory offers
- Lacks premium business benefits
Frequently Asked Questions
Is 2% enough for business spending?
Yes, for small to medium businesses. A business spending $100,000 annually earns $2,000 in cash back at 2%—substantial value with zero fees. This outperforms many premium business cards.
How does this compare to Chase Ink Business Unlimited?
Very similar. Both offer flat 2% cash back on business purchases with no annual fees. The choice often comes down to issuer preference or account bundling opportunities.