Capital One Spark 2% Cash Plus

Earn an extra $2,000 cash bonus for every $500,000 you spend during your first year. There's no cap on how many times you can hit the threshold, so high-volume spenders can earn multiple bonuses. This offer applies to the first year of cardmembership only.

Earn 5% cash back on hotels and rental cars, at more than double the standard rate. To get the 5%, you must book through Capital One Business Travel — bookings made directly with hotels or rental agencies earn only 2%. There's no cap on how much you can earn.

Earn 2% cash back on every business purchase with no caps, category restrictions, or enrollment required. Cash back is earned automatically on all purchases, everywhere the card is accepted.

Get your $150 annual fee refunded as a statement credit each year you spend at least $150,000. The credit is applied automatically once you hit the spending threshold within the cardmember year. You won't get the refund in years where spending falls below $150,000.

Covers emergency roadside help, including jump-starts, flat tire changes, and towing. Call the roadside assistance number on the back of your card when you need service. Coverage applies to auto-related emergencies; fees or limits may vary by situation.

Add employee and virtual cards to your account at no extra cost. Purchases made on employee cards earn the same cash back rewards as your primary card. You can use virtual cards for online or one-time purchases to help manage spending.

Pay no foreign transaction fees on purchases made outside the United States. This applies to all international purchases charged in any currency, whether in-person or online.

This card doesn't have a fixed credit limit. Instead, your spending capacity adjusts over time based on your payment history, spending behavior, and credit profile — giving your business room to handle large or unexpected purchases without running into a hard ceiling.