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Capital One Spark Cash Plus Basic Review

Disclosure: Basic Travel Couple, LLC has partnered with CardRatings for our coverage of credit card products. Basic Travel Couple, LLC and CardRatings and MileValue may receive a commission from card issuers. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

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Calling all business owners with large spending!! The Capital One Spark Cash Plus card gives you an unlimited 2% cashback offer that will give you a great return on your business expenses. What makes this card great is you don’t have to categorize any spending and can be confident in knowing you will earn 2% on every purchase, everywhere, with no limits. Combine that with the early spend bonus two-tier bonus to earn up to an extra $1,000 in the first year. PLUS the 2% cash back, and if you want to get crazy – you can triple dip with shopping portals or apps such as Dosh when in person. Lets get into the details.

Capital One Spark Cash Plus Welcome Offer

This offer will earn you up to $1,000 cash early spend bonus in two tiers. First, earn $500 once you spend $5,000 in the first 3 months, plus, earn an additional $500 once you spend $50,000 in the first 6 months of account opening. After spending the $50,000, you would earn $1,000 from the early spend bonus PLUS an additional $1,000 from the 2% back on $50,000.

  • Earn $500 after spending $5,000 in 3 months
  • Earn $500 after spending $50,000 in the first 6 months
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Earning Rates

The easy earning rate of 2% straightforward makes this card a no-brainer for ANY business owner. Especially if you have a variety of expenses that wouldn’t necessarily fit in a set category such as gas, office supply stores, groceries, ect.

  • Earn an unlimited 2% cash back on all purchases
  • $150 annual fee
  • No preset spending limit, balance due in full every month
  • Add employee cards for free
  • Rewards won’t expire

Basic Review

This card really gets me excited thinking about the potential return. It definitely won’t be for small business owners who might not meet the spending criteria, but it can be a great card for a variety of categories such as re-sellers, real estate, restaurant owners, and any businesses with upfront expenses. The Capital One Spark Cash Plus will be just the card for my upcoming renovations to a rental property. On our first rental property, we easily would have spent $50,000, and ironically, our renovations took about 6 months for the two units. I would have loved to be able to get up to $2,000 back on my investment to lower my overall costs.

What do you think? Will you be getting the Capital One Spark Plus Card?

I’d love to hear in the comments below or over in our 8,400+ Member Basic Travel Facebook Group!

Editorial Disclaimer: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Disclosure: Basic Travel Couple, LLC has partnered with CardRatings for our coverage of credit card products. Basic Travel Couple, LLC and CardRatings and MileValue may receive a commission from card issuers. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

The comments section below responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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