Costs & Pricing

Metric	Spark Cash Plus	Wells Fargo Signify Business Cash® Card
Annual fee	$150 ($150 statement credit if ≥ $150,000 net purchases by membership anniversary)	$0
Employee card fee	$0 (free employee and virtual cards)	$0 (no published cap on number)
Purchase APR	Not printed as revolving purchase APR; Pay Over Time variable APR ~25.74% (review sites, mid-2026) if balance carried	16.74%–24.74% variable after intro (Prime + 9.99% to +17.99%; Prime 6.75% as of 09/02/2026; max APR 29.99%). Disclosures accurate as of Dec 2025.
Intro APR (purchases)	Not offered	0% for 12 months from account opening, then standard variable purchase APR
Foreign transaction fee	$0	3% of each transaction converted to U.S. dollars
Late payment fee	2.99% late fee if minimum payment not paid by due date	Up to $40. First event in a rolling six-cycle window: lesser of minimum payment or $29; subsequent: lesser of minimum payment or $40

Rewards & Value

Metric	Spark Cash Plus	Wells Fargo Signify Business Cash® Card
Base earn rate	Unlimited 2% cash back on net purchases (no category caps)	$0.02 cash rewards per $1 qualifying net purchase (uncapped 2%). Posts when the purchase appears on a monthly statement. Program terms effective June 26, 2026.
Welcome bonus	$2,000 cash after $30,000 spend in first 3 months; +$2,000 for every $500,000 in year one (repeatable)	$500 cash rewards after $5,000 qualifying net purchases post within 3 months of account opening. Redeemable within 60 days after earned. Standing public offer since the May 2024 launch — no published offer-expiration date.
Redemption value	1¢ per 1¢ cash back on statement credit/check	Statement credit / credit to an eligible Wells Fargo business credit or checking account at 1:1 cash. Gift cards and Business Rewards portal travel are options — portal/gift-card cents-per-dollar not published; do not assume portal equals cash. Minimum redemption $1 for statement-credit path.
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 (points transfers are for Essential/Elite, not Cash)

Credit & Eligibility

Metric	Spark Cash Plus	Wells Fargo Signify Business Cash® Card
Personal guarantee	Required in practice (issuer-typical for Cap One business cards; not quoted on product page)	Required. Account Guarantor unconditionally agrees to be personally liable, jointly and severally with the business. Wells Fargo may seek to collect from the guarantor before the business. Covers future line increases and enforcement costs.
Credit check	Hard pull on submit; pre-approval advertised as no impact to personal credit	Consumer report on the Account Guarantor. Treat full apply as a hard pull unless using only the no-impact prequal tool. Application also collects ownership details for 25%+ owners.
Employee cards	Free; spend limits, lock/unlock, account manager role; primary remains liable	$0. Add via Business Online; optional monthly cycle spend cap (default = full account line). Up to three Administrators besides the guarantor. Employee cardholders are not personally liable; guarantor is. Cards mail in 5–10 business days. No published maximum number.
Product type	Hybrid charge card / NPSL business card (designed pay-in-full; Pay Over Time optional)	Revolving business credit card (not a charge card; not NPSL; not a spend-management platform)

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

Wells Fargo Signify Business Cash® Card

Pros

• Uncapped 2% cash on qualifying spend with $0 annual fee
• 0% intro APR on purchases for 12 months from open
• $500 cash bonus at $5,000 / 3 months — low hurdle versus many business SUBs
• Employee cards at $0 with per-card cycle caps
• Primary MasterRental CDW and $250k common-carrier accident insurance on a no-fee card; rewards do not expire while open

Cons

• 3% foreign-transaction fee
• No category bonuses; 2% loses to 3–5% advertising/shipping cards on those MCCs
• Personal guarantee is unconditional and first-recourse
• No purchase protection, extended warranty, or cell-phone insurance in the public benefits guide; Priority Pass visits are paid
• After the intro window, 16.74%–24.74% variable APR makes revolving expensive relative to 2% earn; no public BT product

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.

Wells Fargo Signify Business Cash® Card

Signify Business Cash is the flat 2% SKU — not Essential/Elite (points) and not consumer Active Cash. It beats Blue Business Cash after the $50k 2% cap and beats Ink Unlimited on ongoing earn, while trailing Spark Cash Plus on FTF and NPSL. Skip it for foreign spend, transferable points, no-PG underwriting, or anyone who will revolve after month 12.