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Capital One Spark Cash vs Capital One Spark Cash Plus
This comparison is designed to help you decide between the Capital One Spark Cash and the Capital One Spark Cash Plus. Both cards offer valuable cash back rewards for businesses, but they cater to different needs and spending habits.
Card Overviews
Capital One Spark Cash
The Capital One Spark Cash is designed for businesses looking to earn a straightforward 2% cash back on all purchases. It is ideal for those who prefer a no-frills rewards structure while enjoying a traditional credit line.
Capital One Spark Cash Plus
The Capital One Spark Cash Plus is tailored for businesses that need larger spending capabilities and want to maximize cash back rewards. This card features a no preset spending limit and offers substantial bonuses for higher spending thresholds.
Detailed Feature Comparison
| Feature | Capital One Spark Cash | Capital One Spark Cash Plus |
|---|---|---|
| Annual Fee | $0 intro for first year; $95 after that | $150 |
| Welcome Bonus | $750 cash back after spending $7,500 in the first 3 months | $2,000 cash back after spending $30,000 in the first 3 months; $2,000 additional for every $500K spent in the first year |
| Rewards Structure | 2% cash back on every purchase | 2% cash back on every purchase; 5% on hotels and rental cars booked through Capital One Travel |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | None specified; balance due in full each month |
| Additional Benefits | Free employee cards, no expiration on rewards | No preset spending limit, free employee cards, sync transactions with accounting software |
Rewards Highlights
Capital One Spark Cash
- Earn $750 cash back once you spend $7,500 in the first 3 months from account opening
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 2% cash back on every purchase
Capital One Spark Cash Plus
- $2,000 cash back 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
- 2% cash back on every purchase
- 5% cash back on hotels and rental cars booked through Capital One's travel booking site
Pros and Cons
Capital One Spark Cash
- Pros:
- No annual fee for the first year
- Simple rewards structure with 2% cash back on all purchases
- No foreign transaction fees
- Cons:
- Annual fee of $95 after the first year
- Lower welcome bonus compared to Spark Cash Plus
Capital One Spark Cash Plus
- Pros:
- No preset spending limit
- High welcome bonus opportunities
- Earn 5% cash back on travel bookings
- Cons:
- Higher annual fee of $150
- Requires significant spending to maximize bonuses
Who Should Consider Which Card?
The Capital One Spark Cash is suitable for small businesses that prefer a straightforward cash back structure without high annual fees and don't plan to spend significantly. Conversely, the Capital One Spark Cash Plus is ideal for larger businesses or those with higher spending that want to maximize their rewards and take advantage of the lack of a preset spending limit.
Conclusion
When choosing between the Capital One Spark Cash and the Capital One Spark Cash Plus, consider your individual business needs, spending patterns, and financial goals. Each card offers unique benefits that cater to different types of users.