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Compare the Features and Benefits of Capital One Spark Cash Select Review and
Chase Ink Business Premier℠ Credit 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
Unique Card Benefits
Extended Warranty
Roadside Assistance
No Foreign Transaction Fees
No Fees for Authorized Users
Primary Car Rental CDW Waiver
Purchase Protection
Trip Protections
Cell Phone Protection
Does Not Report Credit Line to Personal Credit Profile
Travel and Emergency Assistance Services
Annual Fee
$0
Avg. Min. Credit Score
800-850 *
Ongoing APR
18.49%-24.49% (Variable)
Balance transfers fees
$0 at the Transfer APR
Best Multiplier
5x Car Rentals

5% cash back on hotels and rental cars booked through Capital One Travel; 1X miles per dollar otherwise.

5x Hotels

5% cash back on hotels and rental cars booked through Capital One Travel; 1X miles per dollar otherwise.

1.5x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
$750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening
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 Spark Cash Select credit card is ideal for small business owners that want a cash back card with no annual fee and no foreign transaction fees.

spark cash capital one
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 1.5% cash back on all eligible purchases, plus 5% when you book hotels and rental cars through the Capital One Travel Portal.

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 Select will report to your personal credit profile.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Roadside Assistance
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Primary Car Rental CDW Waiver
no
Purchase Protection
no
Trip Protections
no
Cell Phone Protection
no
Does Not Report Credit Line to Personal Credit Profile
no
Travel and Emergency Assistance Services
no
Annual Fee
$195
Avg. Min. Credit Score
670-850 *
Ongoing APR
19.49%-27.49% (Variable)
Balance transfers fees
-
Best Multiplier
5x Airfare

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x Cruises

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x Car Rentals

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x Hotels

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

2.5x Single Charges over $5,000
2x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.75) 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 Ink Business Premier credit card from Chase fits a specific target audience.

The businesses best suited for this card spend a very high amount monthly and want to simplify their spending. Especially if you have frequent charges over $5,000, that annual fee is paid for many times over by the extra 1/2 percent earned in cash back.

While it’s easy to get caught up in miles and points, if you are spending and earning more points than you can realistically spend, it’s not at all a bad idea.

Check Ink Premier for Business

However, if you want to earn transferable points, you would be better served by a Capital One Spark Cash Select. Alone, the Spark Cash is also just straight cash, but if you have a Venture, Venture X, or Spark Miles for Business card, you can convert the cash to miles.

If that’s not a concern, then the Chase Ink Business Premier is easily the very best business charge card out there. No other credit card or charge card will get you more cash back on purchases.

Many small business owners spend a ton on inventory monthly and could be earning huge amounts of cashback, but don’t have time to learn about miles and points. This business card is perfect for those small business owners. If purchases tend to be large purchases over $5,000 (which earn 2.5%) it becomes even better.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Roadside Assistance
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Primary Car Rental CDW Waiver
yes
Purchase Protection
yes
Trip Protections
yes
Cell Phone Protection
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Travel and Emergency Assistance Services
yes

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