Capital One Spark is for big spenders. Lovie is for smart starters.

The Spark Cash Plus offers 2% cashback with no preset limit — but requires excellent credit and a $150 annual fee. Lovie starts you from zero with no credit check.

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Lovie vs Capital One Spark Cash Plus.

A detailed comparison of Lovie and Capital One Spark Cash Plus for startups and small businesses.

Capital One Spark Cash Plus

Spark Cash Plus

Capital One

Full review
Annual Fee
$150 (refunded at $150K+ annual spend)
Rewards
Unlimited 2% cash back on ever...
Intro Offer
$2,000 after $30,000 in 3 mont...

From formation to first purchase in minutes.

Form Your Company

Lovie handles your LLC or Corp formation with AI — state fees included.

Get Your Card

You get a virtual card right away. Physical card ships the same day.

Set Controls

Set limits, block merchants, manage team access — from the dashboard or by asking your AI.

Start Spending

Use your card anywhere Mastercard is accepted. Earn 1.5% cashback on every purchase.

Your business card should work as fast as your AI.

A card that keeps up with how you actually work.

Instant Issuance

Your card is ready the moment your company is. No approval wait, no separate application.

Smart Spending Controls

Per-card limits, merchant blocks, auto-expiring rules. Set them from your dashboard or just ask your AI.

MCP-Native

Issue cards through Claude, Cursor, Manus, or any MCP-compatible tool. Works wherever you already work.

Build Business Credit

Every purchase reports to major credit bureaus. Your company builds credit automatically.

No Foreign Transaction Fees

Spend globally without hidden fees. Your card works everywhere Mastercard is accepted.

One Platform, Everything

Formation, banking, and cards in one dashboard. You stop juggling logins.

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