capitalone.com/small-business or via the Capital One Mobile App.
The Capital One Spark Cash Plus (issued by Capital One, N.A.) is America’s premier high-spending business charge card with no preset spending limit. Business owners earn unlimited 2% cash back on every business purchase with no category restrictions, 5% cash back on hotels and car rentals booked through Capital One Travel, plus a $150 annual fee refund every year you spend $150,000 or more.
Whether you need to log in to Capital One Business Online Banking, submit an immediate monthly commercial statement payment, set up automatic recurring monthly AutoPay, manage employee cards with custom spending limits, or contact business support, this comprehensive guide covers every payment channel and corporate contact.
Spark Cash Plus Payment Options Overview
Compare available payment options, fees, and posting speeds:
| Payment Channel | Convenience Fee | Posting Speed |
|---|---|---|
| Capital One Online & Mobile App | $0.00 (Free) | Same-Day Credit if made by 8:00 PM EST |
| AutoPay (Automatic Full Statement Draft) | $0.00 (Free) | On Monthly Statement Due Date |
| Capital One Branch Locations | $0.00 (Free) | Immediate Available Purchasing Restoration |
| Automated Phone Banking (IVR) | $0.00 (Free) | Instant Confirmation |
How to Pay Your Spark Cash Plus Card Online (Step-by-Step)
- Navigate to: capitalone.com/small-business (or open Capital One App).
- Enter your Username and Password and click “Sign In”.
- Select your active Spark Cash Plus account.
- Click “Make a Payment”.
- Select payment source: Business checking account or external business account (ACH).
- Choose payment amount: Statement Balance (Pay-in-Full) or Custom Amount.
- Submit payment to receive an instant electronic confirmation receipt.
Alternative Payment Channels
- Pay in Full Requirement: Because Spark Cash Plus is a charge card, the monthly statement balance must be paid in full every billing cycle.
- Capital One Mobile App: Manage employee limits, download QuickBooks statements, and pay bills on iOS and Android.
- Pay by Phone: Call Capital One Business Customer Service toll-free 24/7 at 1-800-867-0568.
- Pay by Mail: Send payment check with statement coupon to:
Capital One Business
P.O. Box 60599
City of Industry, CA 91716-0599
Spark Cash Plus Support Directory
- Business Customer Service (24/7): 1-800-867-0568
- Hearing Impaired (TTY): 711
- Official Banking Portal: capitalone.com/spark-cash-plus
- Bank Issuer: Capital One, N.A., McLean, VA
Frequently Asked Questions (FAQ)
Is Spark Cash Plus a credit card or charge card?
Spark Cash Plus is a commercial charge card with no preset spending limit that adapts to your business purchasing patterns. The balance is due in full each month.
How do I qualify for the $150 annual fee refund?
Spend $150,000 or more in eligible business purchases during your 12-month cardmember year, and Capital One will automatically refund your $150 annual fee as a statement credit.
Related Business & Card Guides:
Disclaimer: BillPayment.guide is an independent commercial credit guide and is not affiliated with, endorsed by, or operated by Capital One Financial Corporation. All trademarks belong to Capital One.
Anisur Rahman brings over 17 years of experience at the intersection of complex technology and digital strategy to BillPayment.guide. Active in the digital space since 2009, Anisur uses his deep industry insights to break down financial technologies, secure online payment methods, and digital platforms. His actionable guides help readers navigate the fast-paced digital economy and manage their online transactions with confidence.
