Amazon Business Prime American Express Card vs Capital One Spark Cash Plus

Detailed Comparison Overview

Key Facts

Annual Fee

Avg. Min. Credit Score

Ongoing APR

Balance transfers fees

Best Multiplier

Avg. Point Value
(Learn More)

Bonus Offer

Rating

Review

Key features

Unique Card Benefits

Has No Preset Spending Limit

Does Not Report Credit Line to Personal Credit Profile

Extended Warranty

Roadside Assistance

No Fees for Authorized Users

No Foreign Transaction Fees

Amazon Business Prime American Express Card

Annual Fee

$0 (Rates and fees)

Avg. Min. Credit Score

Good-Excellent

Ongoing APR

18.49%-26.49% (Variable)

Balance transfers fees

Best Multiplier

5x Amazon / Whole Foods

2x Gas Stations

2x Cellular Phone Service

2x Dining Out / Food Delivery

1x All Other Eligible Purchases

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

Receive a $125 Amazon Gift Card when approved for this card with an eligible Amazon Prime membership.

Rating

(3.88) Our Review

Review

An obvious powerhouse for those with a lot of spend at Amazon and Whole Foods with 5% cash back if you hold an Amazon Prime membership.

Many spend tens of thousands a month with AWS web services and 5% cash back on that can be huge, especially when you consider that cash back earned on a credit card is considered a rebate on spend and is not taxable as income.

While we are generally partial to cards that earn transferrable bank points, heavy Amazon spenders will do well with the 5% offered here.

Rates and Fees for the Amazon Business Prime American Express Card. Terms Apply.

Unique Card Benefits

Has No Preset Spending Limit

Does Not Report Credit Line to Personal Credit Profile

Extended Warranty

Roadside Assistance

No Fees for Authorized Users

No Foreign Transaction Fees

Capital One Spark Cash Plus

Annual Fee

$150

Avg. Min. Credit Score

800-850

Ongoing APR

Balance transfers fees

Balance transfers are not available on Spark Cash Plus

Best Multiplier

5x Car Rentals

5x Hotels

2x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months. Earn an additional $2,000 bonus for every $500,000 spent in the first year.

Rating

(4) Our Review

Review

The Capital One Spark Cash Plus replaced the older Spark Cash business card, with the primary difference being that the Spark Cash Plus is a charge card. The charge card features means that the Capital One Spark Cash Plus can be more easily used for bigger purchases and by companies with very high monthly spend, without bumping up against a credit limit for your business expenses. The card is issued as a Visa.

You earn 2% cash back on all eligible purchases, plus 5% when you book hotels and rental cars through the Capital One Travel Portal.

If you have a separate credit card that earns Capital One Miles, like the Venture X, Venture, VentureOne, or Spark Miles, you can transfer your cash from the Capital One Spark Cash Plus to those cards, making them Capital One Miles – transferable to airline and hotel partners. $10 = 1,000 Miles.

This card is also featured in Which Capital One Business Cards Report to Personal Credit (Count Towards 5/24)? and in the article Business Credit Cards That Don’t Report to Personal Credit Bureaus.

Unique Card Benefits

yes

Has No Preset Spending Limit

yes

Does Not Report Credit Line to Personal Credit Profile

yes

Extended Warranty

yes

Roadside Assistance

yes

No Fees for Authorized Users

yes

No Foreign Transaction Fees

yes