The Capital One Spark 2% Cash Plus is a business credit card from Capital One Spark 2% Cash Plus. The annual fee is $150. The ongoing APR is 18.49%–28.49% variable. Approval typically requires a credit score of Excellent or higher. Signup bonus: $2,000 cash bonus when you spend $30,000 in the first 3 months.. Rewards: 2% unlimited cash back for your business on every purchase, everywhere, no limits or category restrictions.. Cash back: 2% unlimited cash back. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Capital One enforces a 2-card limit (you cannot have more than 2 Capital One personal cards open at any time) and a 6-month rule (you can only be approved for one new Capital One card every 6 months). Capital One pulls from ALL THREE bureaus on every application (triple pull)..