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card_name is an excellent credit card designed for businesses that can pay their balance in full every month. This pay-in-full card offers unlimited 2% cash-back rewards on all business-related purchases. It doesn’t have a preset spending limit, which means your credit limit adapts to your needs based on your spending behavior, payment history, and credit profile.
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| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
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When grading pay-in-full business credit cards like the Capital One Spark Cash Plus, we consider the annual fee first. Then, we look at the card’s rewards, additional features, penalties, and other fees.
| Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
| Annual Fee | 15 | 30 |
| Ongoing Rewards | 20 | 20 |
| Introductory Rewards | 20 | 20 |
| Penalties | 10 | 15 |
| Other Fees | 10 | 10 |
| Additional Features | 5 | 5 |
| Total Score | 80 | 100 |
Who the card_name Is Best For
- Those who can pay their balance in full every month: Capital One Spark Cash Plus requires full monthly payments; otherwise, you’ll be charged penalties, and your account will be considered past due.
- Those who need a flexible credit limit: With the Capital One Spark Cash Plus, you won’t have a preset spending limit because your credit limit adapts to your needs and spending and payment behavior.
See
below if this card isn’t the best fit for your business.
card_name Rewards
- bonus_miles_full
- 2% cash back on all business-related purchases without limits or category restrictions.
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
card_name Calculator
You can determine how much cash back you can earn from the card_name based on your estimated monthly expenses. Use our rewards calculator to compute your potential rewards—just enter your expected monthly spending, and our calculator will do the rest.
Capital One Spark Cash Plus Calculator
Your potential annual reward earnings are:
How to Redeem card_name Rewards
Cash back earned is yours for the life of the account and will not expire so long as your account is active. Also, there is no cap on the amount of rewards you can earn on your business purchases.
You can redeem your cash back upon request as a statement credit or check. You can also set an automatic redemption preference, with options including choosing your preferred set time each calendar year or when a threshold has been reached.
card_name Features
Managing accounts
- Purchase records: Quickly and securely download your records in multiple ways, such as via Quicken, QuickBooks, and Excel.
- Year-end summaries: Get an itemized spending report to help simplify budgeting and tax time.
- Payment flexibility: Pick your preferred monthly due date to control when you pay your credit card bill.
- Free employee cards and spend limits: Track employee spending while earning all rewards from their purchases and set customized spending limits for each card.
- Annual fee refunded: Waive your annual fee each year after spending at least $150,000, which will be reflected within two billing cycles from your rewards membership anniversary date.
- No preset spending limit: Acquire a no preset spending limit that adapts to your needs based on spending behavior, payment history, and credit profile.
Travel
- Roadside assistance: Get help from Capital One’s services during auto-related emergencies, such as jump-starting, tire changing, and towing).
- Capital One Travel: Get the best prices on thousands of trip options and pay flexibly with your rewards, card, or both.
Service and protection
- Fraud and security alerts: Get an email, text, or call if Capital One detects potential suspicious transactions or charges made on your account.
- $0 fraud liability: Get an emergency replacement and cash advance if your card is lost or stolen.
- Extended warranty: Get free additional warranty and protection on selected items purchased with your card
- Card lock: Lock your card or an employee’s if it has been misplaced, lost, or stolen.
card_name Fees
APR
- Introductory: intro_apr_rate,intro_apr_duration
- Ongoing: reg_apr,reg_apr_type
- Balance transfer: balance_transfer_intro_apr,balance_transfer_intro_duration
- Cash advance: cash_advance_apr
Fees
- Annual: annual_fees
- Balance transfer: balance_transfer_fees
- Foreign transaction: foreign_transaction_fee
- Cash advance fee: cash_advance_fee
- Late payment: late_payment_fee
- Capital One Mobile: Use the app to ensure you pay your balances in full each month.
- Phone: Call 800-227-4825 or the number on the back of your credit card.
- Online: Log in to your Capital One account and select “Make a payment.”
- In-person: Visit the nearest Capital One branch.
- Mail: Send a check by United States mail using this address:
Capital One
Attn.: Payment Processing
PO Box 71083
Charlotte, NC 28772-1083
- Overnight: When sending overnight, use this address:
Capital One
Attn.: Payment Processing
6125 Lakeview Rd., Ste. 800
Charlotte, NC 28269
card_name Alternatives
American Express Blue Business CashTM
| Intro APR | 0% on purchases |
|---|---|
| Regular APR | 16.74% - 28.49% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
If you have good credit standing and want to earn cash back without keeping track of spending categories, then we recommend the American Express Blue Business CashTM. This card lets you earn fixed-rate unlimited cash-back rewards and spend beyond your credit limit through the Expanded Buying Power.
card_name
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
Consider the card_name if you are looking for an alternative Capital One business credit card, as you cannot pay your balances in full each month. This card also lets you enjoy $0 annual, transfer, and foreign transaction fees and lets you earn up to 5% cash back in selected spending categories.
U.S. Bank Business Platinum Card
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 16.24% - 25.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
The U.S. Bank Business Platinum Card is a viable option if you intend to make large purchases and need a long 0% introductory period. This card is also great if earning rewards is not a priority for you, as it does not offer one for its new and existing cardholders.
Frequently Asked Questions (FAQs)
Capital One has branches in the following states: Virginia, Texas, New York, New Jersey, Maryland, Louisiana, and Washington, D.C.
The card only reports to consumer credit bureaus if the account is not in good standing.
There are several reasons why Capital One has denied your credit limit increase request, namely:
- Your Capital One account is too new
- A recent change has occurred in your card’s credit limit
- Your Capital One account was recently past due
- You’ve been paying too low on your Capital One account
- You don’t use your Capital One’s available credit limit
- A credit reporting agency has detected a recent credit delinquency
- You currently have a low credit score
Bottom Line
card_name is a great option for businesses that can pay their balances in full every month and those that need a flexible credit card. While it lets you earn 2% cash back on all business-related purchases without limits or category restrictions, it requires you to meet a high spending limit within a short period to secure the introductory bonus.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cardsFit Small Business may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. mentioned in this article, reference the following links below:
American Express Blue Business CashTM Card
