Capital One · business · visa
Spark 2% Cash Plus
A pay-in-full business card with a flat 2% and a huge tiered welcome bonus — the $150 fee is refunded at $150k annual spend, so for high-spending businesses it's effectively a no-fee 2%.
Current public offer
$2,000 cash bonus after $30,000 spend in 3 months — as of 2026-07-02 · source
Fees & fine print
- Annual fee: $150 ($150 fee refunded each year you spend $150,000+)
- Suggested credit: Excellent (720+)
- No foreign transaction fee ✓
Earning
- 2% cash back on every purchase
Informational only — not financial advice. Offers change; verify all terms with the issuer before applying.