Capital One Spark Cash Plus
Flat 2% cash back, no caps
4.6
Editor rating · out of 5
Best for: LLCs that want simple flat-rate cash back at scale
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
- +$150 fee refunded if you spend $150k/yr
- +No preset spending limit
- +No foreign transaction fees
Cons
- −Pay-in-full charge card (no revolving credit)
- −High welcome-bonus spend
Key details
Annual fee
$150 (refundable)
Rewards
2% flat cash back
Foreign transaction fee
0%
See how it compares
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