Earn a $2,000 Cash Bonus with Capital One Spark Cash Plus
There’s a brand new welcome offer on the Capital One Spark Cash Plus, and it’s one of the most lucrative business card bonuses we’ve seen in quite some time.
This offer isn’t for every business, though. It requires some serious spending to unlock. But if your business regularly has enough eligible expenses to meet both the initial spending requirement and the ongoing spending thresholds, it’s a rare opportunity to earn an exceptional amount of cash back.
Better yet, if you pair your cash back with a Capital One card that earns miles, you can convert those rewards into Capital One miles and unlock potentially even more value through the program’s airline and hotel transfer partners.
Here’s everything you need to know about this special offer and how to apply.
Capital One Spark Cash Plus
Welcome Bonus Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit once you spend $30,000 in the first 3 months
Welcome Bonus Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit once you spend $30,000 in the first 3 months
Annual Fee:$150
The Capital One Spark Cash Plus offers unlimited 2% cash back on every purchase, making it ideal for businesses with diverse spending needs. This card has no preset spending limit and no foreign transaction fees, offering flexibility and simplicity for businesses on the go.
- Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions
- 2% Cash Back on every purchase. 5% Cash Back on hotels and rental cars booked through Capital One Business Travel.
Spark Cash Plus Welcome Offer
The welcome offer on the Spark Cash Plus is one of the richest we’ve seen on a business card in a long time. Here’s how it breaks down:
- Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit once you spend $30,000 in the first 3 months.
- Earn an additional $2,000 cash bonus for every $500,000 spent during your first year as a cardholder, with no caps or limits.
Without a doubt, the $30,000 spending requirement in the first three months is a significant commitment. Reaching the (or multiple) $500,000 spending threshold is an even bigger one.
If your business has only modest monthly expenses that you can charge to a new card, this offer likely isn’t a good fit. But for businesses with substantial monthly spending, this is an outstanding opportunity to earn a massive amount of cash back.
Related: This Month’s Best Business Card Offers
The Spark Cash Plus Card at a Glance
At a high level, here are the key things to know about the Spark Cash Plus:
- Earn unlimited 2% Cash Back on every purchase. There are no bonus categories to track and no caps on the cash back you can earn.
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
- Your card is designed to be paid in full each month. However, you may have the option to carry over a portion of your balance and pay interest if needed.
- $150 annual fee. Get it refunded each year when you spend at least $150,000 on your card.
In addition, the Spark Cash Plus comes with several useful benefits:
- No foreign transaction fees.
- Extended warranty coverage on eligible purchases made with your card.
- Roadside assistance for eligible auto-related emergencies, including jump-starts, tire changes, and towing.
- Free employee cards with customizable spending limits.
- Access to virtual card numbers.
Earn Simple Rewards on the Spark Cash Plus (With a Huge Upside)
If you like to keep things simple, the unlimited 2% cash-back earning structure of this card is great on its own. You won’t have to worry about using one card for shipping and another for restaurants or office supply stores just to maximize your rewards.
With a highly competitive flat earning rate on every purchase, you can focus on growing your business, knowing you’re earning top-tier cash back every time you use your Spark Cash Plus.
But there’s also an opportunity to get even more value from your rewards if you already have a Capital One card that earns miles, such as the Capital One Venture Business or Capital One Venture X Business.
That’s because Capital One lets you convert cash back earned with the Spark Cash Plus into Capital One miles, which you can then transfer to 22 airline and hotel partners. It’s a valuable feature that doesn’t get nearly the attention it deserves.
Transfer partners can deliver significantly more value than redeeming your rewards for cash back. In recent redemptions, AwardWallet users have averaged an impressive 2.05¢ per point when transferring Capital One miles to travel partners.
Capital One Venture Business
Earn 100,000 Miles once you spend $10,000 on purchases within the first 3 months from account opening
- 5X miles per $1 on hotels, vacation rentals and rental cars booked via Capital One Business Travel
- 2X miles per $1 on other eligible purchases
Capital One Venture X Business
Welcome Bonus Earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening.
- 10X miles per $1 on hotels and rental cars booked via Capital One Business Travel
- 5X miles per $1 on purchases through Capital One Entertainment
- 5X miles per $1 on flights booked via Capital One Business Travel
- 5X miles per $1 on vacation rentals booked via Capital One Business Travel
- 2X miles per $1 on other eligible purchases
Capital One Spark Cash Plus Application Rules
You can only apply for one Capital One card every six months. This includes personal and business cards. If you try to apply for another card within six months, your application will (likely) be automatically be rejected.
If you’re excited about the idea of getting cards that earn both miles and cash back, the best strategy would be to keep your Spark Cash Plus bonus safe and sound in your Capital One account.
Once you’ve waited six months from your last Capital One application, you can apply for a miles-earning card to unlock access to transfer partners.
In addition, you also need to run a business. But you might be surprised about what counts as a business for the sake of card applications.
Related: Understanding Rewards Credit Card Application Rules and Restrictions
Great Business Cards With a Lower Spending Requirement
For many small businesses, spending $30,000 in just three months may not be practical, and earning additional bonuses every $500,000 in spending may be even less realistic.
Here are a few of our favorite business cards with welcome offers that are much easier to maximize.
Ink Business Preferred® Credit Card
Welcome Offer
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Welcome Offer
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Annual Fee:$95
The most valuable Ultimate Rewards signup bonus on offer and our top pick for small business rewards cards. Business owners earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Plus, earn up to 450,000 points per year on a wide range of 3X bonus categories.
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Earn 5x total points on Lyft rides through 9/30/27.
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
- Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
- 3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
- 1X point per $1 on all other purchases
A card alternative with a much more attainable minimum spending requirement is the Ink Business Preferred® Credit Card (Rates & Fees). It offers 100,000 bonus points and charges a $95 annual fee. And it goes without saying that Ultimate Rewards points are super valuable.
The Business Platinum Card® from American Express
Find Out Your Offer
You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Find Out Your Offer
You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Annual Fee:$895
The Business Platinum Card® from American Express is a powerhouse for business travelers, offering cardholders up to $1,150 in yearly Dell Technologies credits, up to $360 with Indeed, $250 for Adobe business plans, and $120 for U.S. wireless services. The card includes extensive lounge access, a $200 airline fee credit each year, up to $219 CLEAR+ credit, Marriott Bonvoy® and Hilton Honors™ Gold Statuses, exclusive Fine Hotels + Resorts® benefits, and a TSA PreCheck® or Global Entry fee credit. Enrollment required for select American Express benefits.
- As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Terms Apply.
- Earn 5X points on flights and prepaid hotels on AmexTravel.com.
- Earn 2X points on each eligible purchase of $5,000 or more.
- Earn 2X points on each eligible purchase with U.S. construction material and hardware suppliers.
- Earn 2X points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.
- Earn 2X points on each eligible purchase with U.S. shipping providers.
- 2X earning rates are subject to a cap of $2 million in purchases per calendar year.
The Business Platinum Card® from American Express is another excellent option if you’re looking for a business card with a valuable welcome offer. For a fraction of the minimum spending requirement on the Spark Cash Plus, you can earn as high as 300,000 Membership Rewards points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Additionally, big-spending businesses can earn 2 Membership Rewards points per dollar spent on eligible business categories and on purchases of $5,000 or more (on up to $2 million in eligible purchases per calendar year).
Related: Best Business Credit Cards for Frequent Travelers
Final Thoughts
This Spark Cash Plus welcome offer is an outstanding opportunity if you can meet the hefty spending requirements. Bonuses of this size don’t come around often, and there’s no telling when we’ll see another one like it. If you prefer a simple rewards strategy, the card’s unlimited 2% cash back lets you earn strong rewards without having to track bonus categories.
And if you like to maximize every reward you earn, the ability to convert this card’s cash back into transferable Capital One miles opens the door to even more value through the program’s airline and hotel partners. Whether you redeem your rewards for cash back or travel, this welcome offer is an excellent way to maximize your return on business spending.
Capital One Spark Cash Plus
Welcome Bonus Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit once you spend $30,000 in the first 3 months
Welcome Bonus Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit once you spend $30,000 in the first 3 months
Annual Fee:$150
The Capital One Spark Cash Plus offers unlimited 2% cash back on every purchase, making it ideal for businesses with diverse spending needs. This card has no preset spending limit and no foreign transaction fees, offering flexibility and simplicity for businesses on the go.
- Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions
- 2% Cash Back on every purchase. 5% Cash Back on hotels and rental cars booked through Capital One Business Travel.
