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Capital One Spark Cash Plus

Capital One Spark Cash Plus

Card Details
VS
The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

Card Details

Compare the Features and Benefits of Capital One Spark Cash Plus and
The Hilton Honors American Express Business Card

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
Does Not Report Credit Line to Personal Credit Profile
Extended Warranty
No Fees for Authorized Users
No Foreign Transaction Fees
Unique Card Benefits
Has No Preset Spending Limit
Roadside Assistance
Annual Statement Credits
Grants Hotel Status
Grants Car Rental Status
Trip Protections
Secondary Car Rental CDW Waiver
Purchase Protection
Metal Card
Amex Offers
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

Only when booked via Capital One Travel; Otherwise earn 2X.

5x Hotels

Only when booked via Capital One Travel; Otherwise earn 2X.

2x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
🎁 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
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

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 Capital One’s travel booking site.

rental-cars-capital-one-spark-cash-plus

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.

Read more
Does Not Report Credit Line to Personal Credit Profile
yes
Extended Warranty
yes
No Fees for Authorized Users
yes
No Foreign Transaction Fees
yes
Unique Card Benefits
yes
Has No Preset Spending Limit
yes
Roadside Assistance
yes
Annual Statement Credits
no
Grants Hotel Status
no
Grants Car Rental Status
no
Trip Protections
no
Secondary Car Rental CDW Waiver
no
Purchase Protection
no
Metal Card
no
Amex Offers
no
The Hilton Honors American Express Business Card
Annual Fee
$195 (Rates and fees)
Avg. Min. Credit Score
Good-Excellent
Ongoing APR
19.74%-28.74% (Variable)
Balance transfers fees
-
Best Multiplier
5x Dining Out / Food Delivery
5x Groceries
5x Airfare
5x Hotels

Applies only at Hilton Honors hotels booked directly with Hilton; else earn 3X points per dollar.

5x Car Rentals
5x EV Charging
5x Gas Stations
5x Cruises
5x Transit
5x Drugstores
5x Cable / Internet / Phone
5x Cellular Phone Service
5x Office Supplies
5x Rent
5x Streaming Services
5x Advertising (Online / TV / Radio)
5x Gym Memberships
5x U.S. Electronic Goods Retailers / Software / Cloud System Providers
5x Construction Materials / Hardware Supplies
5x Online Retail Shopping
5x Amazon / Whole Foods
5x Entertainment (Concerts / Shows / Movies)
5x Costco
5x Shipping
5x Advertising on Search Engines and Social Media
5x Lyft
5x Single Charges over $5,000
5x All Other Eligible Purchases
Avg. Point Value
(Learn More)
$0.005
Bonus Offer
⌛ Limited Time Offer Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Offer Ends 1/14/2026. Terms Apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.83) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Hilton Honors American Express Business Card comes with some valuable benefits, including Gold Elite status, which gets you free breakfast (or a daily food and beverage credit) on all stays at full-service Hilton hotels and resorts and is the only business credit card that earns Hilton Honors points.

You can redeem Hilton Honors points and Free Night Rewards for a room like this with room with a private plunge pool in Mexico

With Hilton Honors points having an approximate value of 0.5 cents per point, you are earning roughly 6% back on Hilton stays (earning 12X)  and 2.5% back on your first $100,000 of eligible spend (earning 5X).

However, after $100,000 in a calendar year, all eligible spend outside of a Hilton property will earn 3X which we would value at about 1.5% cash value.

Also, you’ll get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card. If you use all 4 credits in full, you’d more than cover the Card’s annual fee.

hilton business card amex

Hilton Honors Business Credit Card

The Hilton portfolio also has some breathtaking hotels and resorts at which you can spend your Hilton Honors points.

View from an infinity pool at the Waldorf Astoria Pedregal in Los Cabos, Mexico - Bookable with Hilton Honors points and Free Night Rewards.

While we don’t recommend the Hilton Honors Business card as your only business credit card, it certainly is worth more than its annual fee if you frequently stay at Hilton portfolio hotels and resorts.

Rates and fees for the The Hilton Honors American Express Business Card

Read more
Does Not Report Credit Line to Personal Credit Profile
yes
Extended Warranty
yes
No Fees for Authorized Users
yes
No Foreign Transaction Fees
yes
Unique Card Benefits
no
Has No Preset Spending Limit
no
Roadside Assistance
no
Annual Statement Credits
yes
Grants Hotel Status
yes
Grants Car Rental Status
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
Purchase Protection
yes
Metal Card
yes
Amex Offers
yes

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Capital One Spark Cash Plus

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The Hilton Honors American Express Business Card

Card Details

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