Compare the Features and Benefits of Capital One Spark Cash Plus and
Capital One Spark Miles for Business

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 Spark Miles is a uniquely simple small business credit card.

With 2X Capital One Miles earned per dollar spent on all eligible purchases (plus the option to earn 5X miles on hotels and rental cars booked through Capital One Travel), you can really rack up the miles fast.

And while Capital One Miles used to simply be worth a penny each towards travel, that’s changed entirely since Capital One made their miles transferable.

Many small business owners don’t worry about bonus categories, but they do want as many rewards points for their business spend as possible. And they want, on top of that simplicity, to know they are getting a top end rate of return on spend.

The Spark Miles accomplishes both goals. 2X miles on everything with no limit is among the best options among all small business credit cards. While the Blue Business® Plus Credit Card from American Express also earns 2X points on purchases, it is capped at $50,000 in spend per year whereas the Capital One Spark Miles has no limit.

And then for redeeming your points, you can simply spend them for travel at a penny a point, or you can use the airline and hotel transfer partners.

As for card benefits, the card comes with Primary Car Rental CDW coverage, as long as you are renting for business purposes and also carries extended warranty and purchase protection benefits, provided by Visa Business Signature. Some of these benefits don’t even display on the Capital One marketing pages, but they are on the guide to benefits.

Overall, it’s a super simple card that is an excellent choice for small business owners that love to travel on their time off.

Need to Know: Capital One generally will make an credit inquiry with all three credit bureaus. Your card and revolving balance will also be reported to your personal credit file. That likely doesn’t bother you unless you’re maxing out the card, but if it does, you can browse other credit cards that do not report the credit line to your personal credit profile.