Whoa Nelly is correct. Capital One has had some big business card offers in the past, but they just took it to the next level. I didn't accidentally add a zero to the Capital One welcome offer, it has a $3,000 welcome offer for a limited time. You will end up with $4,000 in your account with the 2% earning card. It requires a lot of spend if you are doing the math right now. Let's look at the details.

The public end date for this offer is 3/14/22.

Spark Cash Plus $3000 Offer Details

  • Earn $500 once you spend $5,000 in the first 3 months
  • Earn and additional $2,500 once you spend $50,000 in the first 6 months.
  • The card earns 2% back on all purchases
  • The Spark Cash Plus has no preset spending limit
  • $150 annual fee is NOT waived
  • Learn More 

Breaking It Down

The offer will not be for everyone because of the $50,000 spending requirement. Many small businesses have no easy task. If you are able to meet the requirement, you will get a huge $4,000 sitting in your rewards account from the welcome offer and 2% back earning. You will earn 8% back on your next $50,000 in business expenses with the Spark Cash Plus offer. It's 7.7% when you factor in the annual fee. It's a big discount on your business expenses.

Final Thoughts

It is difficult to get a Capital One approval. The Capital One Venture X card lifted the floodgates a bit, has the same happened with the Spark Cash Plus? I got denied for the Venture X card a few weeks ago, but I still have one data point of approval.

Are you interested in the huge welcome offer?

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers. 

Capital One Spark Cash Plus is $3K.

Capital One has a welcome offer. It is giving up a $3K welcome offer right now and earning 2% back everywhere. You can get a welcome offer of $500 after $5K spend in the first 3 months. $3K is the total welcome offer.

There are additional card benefits.

  • Unlimited 2% cash back on every purchase
  • No preset spending limit
  • $150 annual fee is not waived

You can learn more about this card.

The author's opinions, reviews, analyses, and recommendations have not been reviewed, endorsed or approved by any of these entities.