Compare the Features and Benefits of Capital One Spark Cash Plus and
American Express® Gold Card

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.

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.

The American Express Gold Card (and the Rose Gold version of the Amex Gold Card) is one of my favorite credit cards on the market.

While many cards have more bonus categories or more features, the simplicity of a card that earns 4X American Express Membership Rewards points on both dining (up to $50,000 annually; 1X thereafter) and at U.S. supermarkets (up to $25,000 annually; 1X thereafter), given how much of my monthly spend is in one of these two categories, makes it an easy top-of-wallet choice. 3X on airfare is also nice.

It helps that I have no problem at all using the included credits, living in a major metropolitan area. In fact, I’ve generally used both of the included credits at GrubHub and Uber Eats by the fifth of each month! The Resy credits are also easy to use if you live in a major metro area (although admittedly not as easy if you don’t!). And the $7 Dunkin’ credits come in handy if you live in a Dunkin’ heavy area (which we do).

While I wouldn’t make it my only credit card, it definitely complements other cards nicely. If you already have the American Express Platinum Card, for example, you’d be better off using the Platinum card for its many benefits and 5X on airfare, but using your Amex Gold Card for your groceries and restaurant expenses.

Keep in mind that all of your American Express Membership Rewards points accrue to one master account. As long as you have at least one card open that earns Membership Rewards points, your points will never expire.

This includes no-annual fee cards like the Blue Business Plus.

Rates and Fees for the American Express® Gold Card