Costs & Pricing

Metric	Spark Cash Plus	First Federal Community Bank Business Zero+ Card
Annual fee	$150 ($150 statement credit if ≥ $150,000 net purchases by membership anniversary)	$0 (ongoing; Elan product suite + Horizon Zero+ + WalletHub FFCB listing 11 Aug 2026)
Employee card fee	$0 (free employee and virtual cards)	$0 (no fee for additional employee cards)
Purchase APR	Not printed as revolving purchase APR; Pay Over Time variable APR ~25.74% (review sites, mid-2026) if balance carried	0% intro for first 18 billing cycles, then 16.24%–25.24% variable based on creditworthiness at opening (varies with WSJ Prime). Horizon Bank official Zero+ disclosure; WalletHub assigns the same band to this cobrand. With Prime 6.75% (WSJ, 2 Sep 2026) implied margins ≈ Prime + 9.49% to Prime + 18.49%. First Federal does not post its own public Schumer box — confirm live box at apply.
Intro APR (purchases)	Not offered	0% for first 18 billing cycles from account opening, then assigned purchase APR. Does not apply to cash advances. Intro can end early if late payment, returned payment, or overlimit (standard Elan sibling language).
Foreign transaction fee	$0	3%
Late payment fee	2.99% late fee if minimum payment not paid by due date	WalletHub max $41 (11 Aug 2026). Older Elan PDFs said up to $39. Treat $41 as aggregator; confirm live box.

Rewards & Value

Metric	Spark Cash Plus	First Federal Community Bank Business Zero+ Card
Base earn rate	Unlimited 2% cash back on net purchases (no category caps)	None on ordinary purchases. Program rules: Cash Rewards are not earned for any Purchases other than prepaid air / car / attractions / hotel booked via the Rewards / Travel Center.
Welcome bonus	$2,000 cash after $30,000 spend in first 3 months; +$2,000 for every $500,000 in year one (repeatable)	None. Official Elan Zero+ Business copy and WalletHub: no initial rewards bonus.
Redemption value	1¢ per 1¢ cash back on statement credit/check	Cash back at 1¢ per 1% via statement credit or deposit to a checking/savings account at this Financial Institution only. Rewards Card value may vary. Do not treat 5% as travel-category MCC. Do not assume 1% on other spend.
Transfer partners	No native transfer partners; cash may convert to Capital One miles ($1 = 100 miles) if linked to miles-earning Cap One card	Not offered

Credit & Eligibility

Metric	Spark Cash Plus	First Federal Community Bank Business Zero+ Card
Personal guarantee	Required in practice (issuer-typical for Cap One business cards; not quoted on product page)	Required. Owner and business jointly and severally liable; owner remains individually liable. Elan Company Card (corporate liability, typically $5M+ sales, 2+ years) is a different product.
Credit check	Hard pull on submit; pre-approval advertised as no impact to personal credit	Hard personal inquiry expected on the owner. Industry reporting: Elan TransUnion primary (not confirmed on firstfed.com). WalletHub user: inquiry from Elan Financial Services/First Federal Community.
Employee cards	Free; spend limits, lock/unlock, account manager role; primary remains liable	Allowed; $0 additional-card fee. Add via MyAccountAccess Manage Employees (legal name, DOB, SSN, address). Variable credit limits and authorization controls listed as a generic business-card feature. Owner/business remain liable.
Product type	Hybrid charge card / NPSL business card (designed pay-in-full; Pay Over Time optional)	Revolving business credit card (intro 0% then variable purchase APR). Not a charge card. Not Elan’s Visa Business Company Card (corporate liability).

Pros & Cons

Spark Cash Plus

Pros

• Uncapped 2% cash back on all net purchases
• NPSL capacity plus free employee and virtual cards
• $150 annual fee refunded at $150,000 net spend by anniversary
• Large year-1 bonuses — $2,000 at $30k/3 mo plus $2,000 per $500k spent
• $0 foreign transaction fee; 5% on Capital One Business Travel hotels/VR/cars

Cons

• $150 fee is real if spend stays below $150k/year
• Pay-in-full design — 2.99% late fee and Pay Over Time interest if you carry
• Bonus hurdles favor very high spenders ($30k/3 mo, $500k increments)
• No 0% intro APR and no balance transfers
• Bonus often blocked for existing/previous Capital One Business cardholders

First Federal Community Bank Business Zero+ Card

Pros

• $0 annual fee and $0 extra-card fee
• 0% intro APR for 18 billing cycles on purchases and on timely BTs — among the longest business-card intros advertised in 2026
• BT window extends 558 days after opening on the aggregator box (same Elan SKU across partners)
• 5% cash back + $50/card credit on Rewards Center prepaid travel if you actually use the portal
• Optional 3-month $0 ExtendPay once per year after intro ends; cell-phone protection up to $600 when the bill is paid with the card

Cons

• No cash back on ordinary business spend — portal prepaid travel only
• Go-to purchase APR 16.24%–25.24% variable is expensive float after the intro
• 3% BT fee and 3% foreign-transaction fee
• Personal guarantee; Elan may pursue the owner for all account charges
• First Federal does not publish the live Schumer box on its site; rewards travel headline is easy to misread as airline/hotel MCC bonuses

Verdict

Spark Cash Plus

Capital One Spark Cash Plus is the go-to for businesses with serious spend who can pay in full. Uncapped 2%, NPSL flexibility, free employee/virtual cards, and a refundable $150 fee at $150k make it a premium flat-rate engine — especially with the live $2,000 welcome bonus and limited $500 travel credit (through Sep 7, 2026). Poor fit for 0% financing seekers, lounge hunters, or businesses under $150k annual card spend.

First Federal Community Bank Business Zero+ Card

This is Elan’s Visa Business Zero+ cobranded for First Federal Community Bank (Dover, OH / firstfed.com) — not a card the bank underwrites, not the consumer Zero+ twin, and not Bucyrus ffcb.com. It is a 0% float tool with thin portal-only rewards, not a daily driver. Pair it with a 2–5% earn card. Confirm the live rates-and-fees box at application.