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Capital One Spark Cash Plus Business Credit Card - $3000 sign-up bonus on $50k/6 month spend

+21 Deal Score
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You need to spend $50k in 6 months on this card to get the $3,000 bonus. If you can't charge that much, or can't manufacture that spend, move along. This isn't a card for a college kid. This is a brand new offer, and is time limited (no mention of when it expires).

2% cashback on everything, no categories. $150 annual fee. Can't tell if it hits you with the AF on application, but assuming it does, you'll clear $3850 in 6 months with the $50k spend. That's nearly 8% (back of the napkin calc), which is the highest I've ever seen on a card bonus. This is a GOOD deal. I'd probably churn this and drop the card at year 1 unless they waive AF in year 2.

Yes, this is a business card but the prevailing wisdom is that anyone can get one. You sell on eBay? Congrats, you own a business.

https://www.capitalone.com/small-...cash-plus/
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Questions & Answers BETA
RisingNexus asked this question on 01-25-2022 at 11:46 AM
01-25-2022 at 11:46 AM
No, it's not.
slimatvo asked this question on 03-08-2022 at 11:41 AM
03-08-2022 at 11:41 AM
Minus $150 annual fee (charged on approval) = 3850
RisingNexus asked this question on 01-25-2022 at 11:46 AM
These 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. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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This comment has been rated as unhelpful by Slickdeals users
Joined Sep 2010
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#2
Some car dealers allow you to charge full amount as long as you pay 3% or so fee, might be an option if already in the market
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#3
Quote from sandamn12 :
Some car dealers allow you to charge full amount as long as you pay 3% or so fee, might be an option if already in the market
I've charged lease down payments using a card with no fee, but the monthly won't take a cc. Other options -

Pay estimated taxes/regular taxes with the card. Fee is 1.87%, so you actually make money on the float and increase your reward spend.
Use Plastiq to pay rent/mortgage. It has a 2.87% fee, but the .87% on 50k is pretty small relative to the reward so it's still worth it.
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#4
Quote from fbueller :
I've charged lease down payments using a card with no fee, but the monthly won't take a cc.
I meant paying for the car itself or down-payment for the car if over 50k
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#5
Quote from sandamn12 :
I meant paying for the car itself or down-payment for the car if over 50k
I got that - just trying to throw out other ideas along those lines. nod
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#6
Worth mentioning that this is a charge card.

Also if you have a CapOne miles card, you can transfer the cash back to miles and use it with travel partners. That will get you even more value that $4k if you're know what you're doing with loyalty programs.
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#7
Would I be able to pay a loan off
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01-25-2022 at 11:09 AM
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#9
Is the $3000 taxable?
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#10
Quote from RisingNexus :
Is the $3000 taxable?

No, it's not.
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#11
Quote from njguy545 :
Get yourself in 50k debt but u get to keep $300 is not a good idea
Obviously it would only make sense if you're spending the $50k anyway.
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#12
Quote from sandamn12 :
Some car dealers allow you to charge full amount as long as you pay 3% or so fee, might be an option if already in the market
will use it for CyberTruck
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01-25-2022 at 11:28 AM
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#14
Quote from njguy545 :
Get yourself in 50k debt but u get to keep $300 is not a good idea
$3,000, not $300. Also, this is a charge and not credit card, so you have to pay it off every month. This deal isn't for amateurs.
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#15
Prepay $50k in taxes for a 1.87% fee, get back 2% + Welcome bonus and get your money back through your taxes. Win win win?
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