Capital One Spark Cash Plus is a cash-back king with a travel twist

Business owners have unique spending patterns that sometimes make it tough to earn consistent rewards. Plus, many credit cards and charge cards for businesses have caps on earning in the most lucrative categories. Preset spending limits can also cause headaches for businesses that have higher expenditures they’d like to run through a rewards card but can’t easily due to the size of the charge.

The Capital One Spark Cash Plus card simplifies these concerns for business owners with unlimited 2% cash back on every purchase. Plus, a new offer on this card may make it the best choice for companies looking to maximize their earning potential without a lot of hassles. This card also has a perk that you may not be aware of: the opportunity to convert cash back into valuable travel rewards.

The Capital One Spark Cash Plus card offers business owners one of the simplest value propositions: All spending on the Spark Cash Plus card earns at least 2% cash back, with no limits or category restrictions. On top of that, business owners can earn 5% cash back on hotels and rental cars booked through Capital One Travel. You can earn consistent cash back on all your purchases and now can earn even more with a new bonus offer.

New Spark Cash Plus cardholders will earn a big $2,000 one-time cash bonus when they spend $30,000 on the card in the first three months. Plus, you can continue to earn a $2,000 cash bonus for every $500,000 you spend on the card in the first year. Yes, that’s a lot of spending, but if your business has enough expenses, you can earn this bonus multiple times throughout the year and rack up some serious rewards.

To put numbers to it, for a business that spends $530,000 in the first year, that extra $4,000 cash bonus would increase the overall cash-back percentage to over 2.75%. Booking hotels and rental cars through Capital One Travel can also boost your cash back even more.

Additionally, the Spark Cash Plus card offers no preset spending limit. Unlike a traditional fixed line, it adapts over time, allowing you greater spend and rewards.

Consistent cash back (with a travel twist)

With the Spark Cash Plus card, you can also earn 5% cash back when you book hotel and rental cars through Capital One Travel, with no limit to the amount of cash back you can earn. Capital One Travel offers smart features to help you book travel with confidence. Its free price prediction tool monitors flight prices and alerts you when it’s time to book, helping customers save an average of 15%. Plus, if you book a flight when Capital One Travel recommends, you’ll also get free price drop protection. If you find a better price on a hotel, flight, or rental car within 24 hours of booking, they’ll match it with a travel credit.

Booking business trips for your team is simple with Capital One Travel, as it allows you to save key data for each employee, such as their date of birth, frequent flyer numbers and Known Traveler Number. This makes it easy for travel coordinators to quickly and accurately book travel for team members. The Spark Cash Plus card also has no foreign transaction fees (see rates and fees), meaning your employees can use the card for all of their transactions worldwide.

If you’re looking for even more flexibility in the type of rewards you earn, the Spark Cash Plus card has an interesting perk that doesn’t get talked about much. If you hold another premium Capital One Business card, such as the Venture X Business card, you can convert your cash back to fully transferable Capital One miles. This gives you the ability to choose between cash back and valuable travel rewards as your needs change.

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Tools to get business done

The Spark Cash Plus card offers various benefits that make it easier to run your business. No preset spending limit is just one of a number of key features. Employee cards are free and easy to get into the hands of your employees quickly. Virtual card numbers make it easy to manage one-time transactions and keep your account safer.

You can also easily manage your accounts payable process by sending and tracking payments directly from your Capital One Business account. With accounts payable, you can enjoy flexible options and earn even more rewards when you use your Spark Cash Plus card to pay your vendors, even the ones that don’t accept cards. Your vendors will receive the payment in whichever way you select — by check, Automated Clearing House transfer or virtual card (when you use your Capital One Business card to send a check or ACH to your vendor, there’s a 2.9% processing fee).

A card built for business owners

The Spark Cash Plus card helps elliminate common friction points while providing valuable rewards and benefits for your business. You won’t need to worry about obstacles like preset spending limits, and with powerful tools and solutions that are integrated directly into your Capital One Business account, you can spend less time navigating reports and more time running your business.

Between its biggest cash bonus ever and unlimited 2% cash back, the Spark Cash Plus card gives business owners simplicity and rewards to fuel their business growth. Add 5% cash back on hotels and rental cars booked through Capital One Travel and the flexibility to redeem cash rewards for miles, and you’ve got a rewarding strategy for all your business spending.