If you're having trouble finding any links, be sure to check out my Best Offers pages in the menu.
Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months from account opening. Plus, earn an additional $2,000 cash bonus for every $500,000 spent during the first year.
Full benefits & perks
- Unlimited 2% cash back on every purchase with no category restrictions or spending caps
- Annual fee refunded every year you spend $150,000 or more, making it effectively free for high spenders
- No preset spending limit, so your spending power adapts to your business needs, payment history, and credit profile
- Charge card structure — the balance must be paid in full each month (no revolving balance)
- Free employee cards with individual spending limits
- Does not count toward Chase's 5/24 rule
- No foreign transaction fees
My thoughts
This card is built for businesses that spend big. The no preset spending limit is the main draw. If you have months with large inventory purchases, advertising spends, or vendor payments, this card can flex to accommodate that without hitting a credit ceiling. The $2,000 welcome bonus requires $30,000 in spending in 3 months, which is a high bar, but very achievable for the right business. And if you spend $150,000 in a year, the $150 annual fee gets refunded entirely. One important thing to note: this is a charge card, meaning you must pay the balance in full every month. There's no option to carry a balance. If that works for your business, the rewards are excellent. If you need the flexibility to carry a balance sometimes, the regular Spark Cash is the better fit.
How to use your points
Cash back on this card is simple. Here are your redemption options:
- Redeem as a statement credit against any purchase
- Get a check or direct deposit to your bank account
- Transfer cash back to a Capital One Venture or Venture X card to convert into travel miles — Compare the Capital One Venture and Venture X Rewards Cards
A powerhouse card for high-spending businesses.
- No preset spending limit is a game-changer for businesses with large or variable monthly expenses
- Spend $150,000/year and the $150 annual fee is fully refunded
- The $2,000 welcome bonus is one of the biggest cash bonuses available on any business card
- Must pay in full every month, so it's not the right fit if you need to carry a balance
- Doesn't count toward 5/24
Thank you for using our card links when applying for new cards. It helps us run our small business at no extra cost to you. We appreciate your support!
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.