Capital One Spark Cash Plus
Flat 2% cash back, no caps
4.6
Editor rating · out of 5
Best for: LLCs that want simple cash back, no point math
Simplicity wins here. If you don't want to track categories or transfer points, 2% on everything is the path of least resistance.
Pros and cons
Pros
- +Flat 2% on everything — no category tracking
- +Annual fee refundable if you spend $150k/yr
- +No foreign transaction fees
Cons
- −Pay-in-full card, not revolving credit
- −High welcome-bonus spend requirement
Key details
Annual fee
$150 (waivable)
Rewards
2% flat cash back
Foreign transaction fee
0%
Credit limit
Adjusts to spend
See how it compares
Read our full ranking and compare Capital One Spark Cash Plus side-by-side with alternatives.
See full business credit card rankings →