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Annual Fee$150
APRN/A (charge card)
Sign-up Bonus$1,200 cash bonus~$1200 value
Rewards2% unlimited on every purchase
Credit Scoreexcellent
Foreign FeesNone
+ Pros
- ✓Truly unlimited 2% — no cap
- ✓$1,200 signup bonus
- ✓No foreign transaction fees
− Cons
- ✗$150 annual fee
- ✗Must pay in full monthly
- ✗Requires excellent credit
Rewards Breakdown
| Category | Rate | Monthly Spend | Annual Value |
|---|---|---|---|
| All purchases | 2% | $5000/mo | $1,200 |
| Total Estimated Annual Rewards | $1200 | ||
Perks & Credits
Unlimited
Free Employee Cards
Free
Year-End Summary
CFPB Consumer Complaints(Last 12 months)
10,107Credit card complaints
0%Timely response rate
Source: CFPB Consumer Complaint Database. Complaints are not necessarily evidence of wrongdoing.
Who This Card Is For
- →Businesses spending $50K+/yr
- →Solopreneurs who pay in full monthly
- →Companies with employees needing cards
Who Should Skip This Card
- →Anyone who carries a balance
- →Under $10K annual spend
- →Irregular income
How It Compares
| Card | Annual Fee | Best Rate | Score |
|---|---|---|---|
| Capital One Spark Cash Plus (this card) | $150 | 2% | 4.4/5 |
| Chase Ink Business CashBest No-Fee Business Card | $0 | 5% | 4.5/5 |
| American Express Blue Business CashBest No-Fee Business Cash Back | $0 | 2% | 4.5/5 |
Frequently Asked Questions
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Last updated: 2026-03-31