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Capital One Spark 2% Cash Plus Review

Unlimited 2% cash back sounds like a great deal -- but is it worth the $150 annual fee? Find out if Spark Cash Plus, offered by Capital One, is the right credit card for your small business.

    Jared Beilby
  • 2 comments
  • Updated on:
Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.
Date Established
1988
Location
McLean, Virginia
Jared Beilby

Jared Beilby

Expert Analyst & Reviewer at Merchant Maverick
A credit card analyst and expert in neobanking, Jared has been researching and writing about small business finance since 2018. His data studies have been cited in a number of media outlets, including Forbes, MSN, and NBC. He holds a Bachelor of Arts in Journalism from George Fox University.
Jared Beilby
View Jared Beilby's professional experience on LinkedIn.



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2 Comments

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Mark Crandall

    Organization Name: SUPERIOR BAR PRODUCTS

    BEWARE! Capital One, unlike ALL other business credit cards reports to your business name and your personal name. Businesses borrow on a bigger scale than personal. So when Capital One does this, your personal FICO score will take a big hit! This will obviously cause many issues to your personal credit.

    1
    • Organization Name: SUPERIOR BAR PRODUCTS

    This comment refers to an earlier version of this review and may be outdated.

    Nathan Acevedo

    Organization Name: Nates Cell Phone Repair

    First let me say that we was approved for 15K for our small business. We had this card for several years and I have paid it off several times. I always paid more that was required to keep cash flow. I had to go out of town and forgot to set up a payment one time. The next day I got a email saying that I forgot to make a payment on my card which was one day late. I made the payment the right away, I thought all was good. Several months late I go into the account because I did not see my balance changing. I discovered that Capital One changed my APR from 18% to 31% for 12 months for missing that one payment that was one day late. They will punish you for missing one payment, I tried talking with them to fix this issue and they would not move on this. So I can say I paid the 9K I owned to them and will never use Capital One again. The best card out there for small business is Chase they will work with you and understand that things happen. All small businesses beware of what is in your wallet, because Capital One is out of my WALLET.

    1
    • Organization Name: Nates Cell Phone Repair

    This comment refers to an earlier version of this review and may be outdated.

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