Capital One · Visa Signature · Business
Capital One Spark 2% Cash Plus Business
A $150-a-year business card earning cash back: 5× on 3 categories, 2× on everything else.
- Annual fee
- $150Charged every year
- Signup bonus
- $2,000Cash bonus
- Top rate
- 5×3 categories
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus cash | $2,000 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee Charged each year | −$150 | −$150 |
| NetYear one includes the bonus · at your inputs · our estimates* | $1,850 | −$150 |
Bonus terms: Earn a $2,000 cash bonus after you spend $30,000 on purchases in the first 3 months from account opening. Plus, earn an additional $2,000 cash bonus for every $500,000 spent in the first year, earnable multiple times.
Earning structure
4 categories, 2 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Airfare (Portal) | 5× | $5.00 | |
| Car Rentals (Portal) | 5× | $5.00 | |
| Hotels (Portal) | 5× | $5.00 | |
| All Other | 2× | $2.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $150
- Card type
- Business
- Network
- Visa Signature
- Bank
- Capital One
- Point system
- Cash back
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Benefits2 · 0 high value
- Earn Perks & Status Earn $2,000 Annually
- Instant Perks & Status Free Employee Cards
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Capital One Spark 2% Cash Plus Business |  Capital One Spark 1.5% Cash Select Business |  Capital One Venture X Business |  US Bank U.S. Bank Business Altitude® Power Visa Signature® Card | |
|---|---|---|---|---|
| Annual fee | $150 | $0−$150 | $395+$245 | $195+$45 |
| Signup bonus | $2,000 | $750 | 150,000 pts | 75,000 pts |
| Top rate | 5×3 categories | 5×3 categories | 10×Hotels (Portal), Car Rentals (Portal) | 6×Hotels (Portal), Car Rentals (Portal) |
| Travel value * | –Cash back | –Cash back | 1.7¢Capital One Miles | 1¢Altitude Rewards |
| Why it’s here | This card | Same issuer, at no annual fee; business card | Same issuer, at a $395 annual fee; business card | An annual fee within $100; business card |
Capital One Spark 1.5% Cash Select Business
$0 fee (−$150) · 5× top$750 bonusSame issuer, at no annual fee; business card
Capital One Venture X Business
$395 fee (+$245) · 10× top150,000 pts bonusSame issuer, at a $395 annual fee; business card
US Bank U.S. Bank Business Altitude® Power Visa Signature® Card
$195 fee (+$45) · 6× top75,000 pts bonusAn annual fee within $100; business card
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
CommentsShow the discussion