Comparing Capital One Spark Cash Plus and Spark Miles for Business: Which is the Best Choice for Your Business?

Capital One’s Spark line of business credit cards offers small-business owners the opportunity to earn rewards for everyday, non-bonus spending. Among the two cards in the family with annual fees, the Capital One Spark Cash Plus and the Capital One Spark Miles for Business stand out as solid options.

When deciding between the two cards, business owners should consider whether they prefer cash back for their business or saving up for future travel redemptions. Additionally, the level of effort they are willing to put into learning about loyalty programs and award redemptions will play a role in determining which card is best suited for their needs.

The Spark Cash Plus and Spark Miles for Business both offer attractive features and benefits, making them top contenders on TPG’s list of best business credit cards. The Spark Cash Plus provides a $1,200 bonus after spending $30,000 in the first three months, while the Spark Miles for Business offers 50,000 miles after meeting a $4,500 spending requirement.

Ultimately, the Spark Miles for Business emerges as the winner due to its more achievable spending requirement and higher return rate on all spending. With benefits like no foreign transaction fees and up to $100 credit for Global Entry or TSA PreCheck every four years, the Spark Miles for Business offers a comprehensive package for small-business owners.

Both cards provide opportunities to earn rewards while working towards the welcome bonus, making them valuable assets for businesses looking to maximize their spending and rewards potential. Whether you prefer cash back or travel rewards, the Spark line of business credit cards from Capital One has something to offer for every small-business owner.