Annual fee $150, refundable after qualifying annual spend. Unlimited 2% cash back; portal travel bonuses.
See if it fits my walletThe 3 reviewed business cards that share the most card types and features with the Spark 2% Cash Plus.
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Charge-style payment terms and high spend needed to offset fee
Check current offer This link goes to Capital One’s site. Dean earns nothing if you apply.Annual fee: $295, against $150, refundable after qualifying annual spend for the Spark 2% Cash Plus. Best fit: High-spend businesses that exceed capped 2% alternatives. Dean’s catalog lists it as: Business cash back.
Read Dean’s reviewAnnual fee: $0, against $150, refundable after qualifying annual spend for the Spark 2% Cash Plus. Best fit: Small businesses wanting automatic cash back. Dean’s catalog lists it as: Business cash back.
Read Dean’s reviewAnnual fee: $0, against $150, refundable after qualifying annual spend for the Spark 2% Cash Plus. Best fit: Businesses wanting simple no-fee earning. Dean’s catalog lists it as: Business cash back, Transferable-points companion.
Read Dean’s review| Card | Annual fee | Rewards and benefit summary | Best fit | Main drawback | Source |
|---|---|---|---|---|---|
| Spark 2% Cash PlusCapital One | $150, refundable after qualifying annual spend | Unlimited 2% cash back; portal travel bonusesAnnual-fee refund after qualifying spend; employee cards; business controls | High-spend businesses paying in full | Charge-style payment terms and high spend needed to offset fee | Capital One Checked 2026-07-22 |
| Graphite Business Cash UnlimitedAmerican Express | $295 | Unlimited 2% eligible purchases; 5% eligible flights and prepaid hotels through Amex Travel OnlineVirtual cards; employee-card options; no foreign transaction fee; One AP credit after high spend | High-spend businesses that exceed capped 2% alternatives | Fee and employee-card pricing; travel bonus requires portal | American Express Checked 2026-07-22 |
| Blue Business CashAmerican Express | $0 | 2% cash back on eligible purchases up to annual cap, then 1%Automatic statement credits; employee cards; expense tools | Small businesses wanting automatic cash back | 2% cap and foreign transaction fee | American Express Checked 2026-07-22 |
| Ink Business UnlimitedChase | $0 | 1.5X on eligible business purchasesEmployee cards; purchase and extended-warranty protection under guide | Businesses wanting simple no-fee earning | Foreign transaction fee and lower flat rate than some paid cards | Chase Checked 2026-07-22 |
Unlimited 2% cash back; portal travel bonuses.
Annual-fee refund after qualifying spend; employee cards; business controls.
Dean treats these as the reasons to hold the Spark 2% Cash Plus. If you would not use them, the card is worth less to you than its marketing says.
Dean lists the Spark 2% Cash Plus for good, excellent credit. It is a business card. Availability: public national.
A listed credit range is a starting point, not an approval promise. Capital One decides approval, your credit limit, and your rate when you apply.
Charge-style payment terms and high spend needed to offset fee.
Annual fee: $150, refundable after qualifying annual spend. Dean checked the fee and terms against Capital One on July 22, 2026. Terms can change after that date, so read the live offer before you apply.
Rewards common business expenses and supports employee cards. Cash rewards, expense separation, employee controls, accounting exports.
Best for: Sole proprietors and small businesses wanting simple rewards. Watch for: Consumer protections can be weaker and issuer eligibility rules differ.
Business card with points, airline, hotel, or premium travel benefits. Employee cards, travel protections, lounges, category rewards, large-spend bonuses.
Best for: Businesses with recurring travel or advertising, shipping, and software spend. Watch for: High fees and portal requirements must match real company spend.
Same rate on most eligible purchases.
Conditions to check: Excluded cash-like transactions and redemption value. Best for simplicity and uncategorized spend.
Higher rewards or credits for issuer-portal bookings.
Conditions to check: Portal price, cancellation rules, elite credit, and direct-booking benefits. Compare the total trip terms, not only the multiplier.
Statement credit or instant discount for eligible travel.
Conditions to check: Calendar versus cardmember year, portal or merchant restrictions, exclusions. Value it at face value only if you would use it naturally.
Dean links directly to the issuer. Card terms and eligibility can change after the review date.