Compare the Features and Benefits of Capital One Spark Cash Review and
Citi® / AAdvantage® Globe™ Mastercard® Review

The Spark Cash credit card is ideal for small business owners that want a 2% cash back card with a low annual fee ($0 the first year, $95 after that) and no foreign transaction fees.

It’s a very simple card. You won’t find transferable points nor a rich suite of card benefits here, but that’s the tradeoff to avoid any sort of annual fee. You still get free employee cards.

Small business owners earn 2% cash back on all eligible purchases, and unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.

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

Unlike the Spark Cash Plus, the Spark Cash will report to your personal credit profile.

The primary other difference between this Spark Cash card, with a $95 annual fee, and the Spark Cash Plus, with a $150 annual fee, is that the Spark Cash Plus is a charge card with no preset spending limit. For higher spend businesses, the Spark Cash Plus will be a better choice, but this card will work just fine for a business that doesn’t spend enough to justify the additional $55 annual fee in exchange for the no preset spending limit (which is still not unlimited, but rather set based on your spend history).

The Citi® / AAdvantage® Globe™ Mastercard® is American Airlines’ mid-tier credit card option. All in all, it’s a solid card for semi-frequent American Airlines flyers who don’t live near an airport with an Admirals Club®. You’ll enjoy access to American Airlines lounges a few times per year, but you aren’t paying the hefty annual fee for unlimited access.

For starters, you’ll receive a $99 American Airlines companion certificate starting in your second year as a cardholder. Although it’s only valid on a main cabin domestic flight, you could potentially cover your entire annual fee from this benefit alone. You’ll also earn 3X miles per $1 spent on eligible American Airlines purchases, which is a great way to boost your AAdvantage miles balance.

You can earn three different statement credits annually — up to $240 back on Turo, up to $100 back on inflight purchases, and up to $100 for your Annual Splurge Credit, which can include merchants like Live Nation or AAdvantage Hotels. You’ll also earn a Global Entry or TSA PreCheck application fee credit every four years, which can provide value if you aren’t already enrolled.

The Flight Streak Bonus is also an interesting feature for anyone chasing status, allowing you to earn 5,000 bonus Loyalty Points for every four flights you take in a calendar year, up to 15,000 bonus Loyalty Points. If that’s not enough, you’ll earn 1 Loyalty Point for every AAdvantage mile you earn on purchases.

Plus, you’ll receive your first checked bag free on domestic American Airlines itineraries, enjoy preferred boarding, and a variety of travel and shopping protection benefits. When you add up each of these perks, it’s incredibly easy to find value in the card — much more value than a $350 annual fee.