Capital One Spark Cash Plus

The Spark Cash Plus is built for businesses that spend heavily: an unlimited 2% cash back on every purchase, 5% on hotels, vacation rentals, and rental cars booked through Capital One Business Travel, and no preset spending limit. The signup bonus is large at $2,000 cash after $30,000 in spending within 3 months, and for a limited time the same spend also earns a one-time $500 Capital One Business Travel credit. Very high spenders can earn a $2,000 bonus for every $500,000 spent in the first year, and the $150 annual fee is refunded any year you spend at least $150,000. The tradeoffs are real, though: the balance is due in full each month, and the fee only makes sense if your spending is high enough that 2% across the board outweighs it. Free employee cards, extended warranty, and exportable year-end summaries are useful operational extras, and there is no foreign transaction fee.