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Compare the Features and Benefits of Capital One Spark Cash Select Review 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
Unique Card Benefits
Extended Warranty
No Foreign Transaction Fees
No Fees for Authorized Users
Roadside Assistance
Grants Hotel Status
Airport Lounge Access
Trip Protections
Secondary Car Rental CDW Waiver
Purchase Protection
Does Not Report Credit Line to Personal Credit Profile
Amex Offers
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
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Roadside Assistance
yes
Grants Hotel Status
no
Airport Lounge Access
no
Trip Protections
no
Secondary Car Rental CDW Waiver
no
Purchase Protection
no
Does Not Report Credit Line to Personal Credit Profile
no
Amex Offers
no
Annual Fee
$95 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
12x Hotels

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

6x Airfare
6x Car Rentals
6x Gas Stations
6x Cellular Phone Service
6x Dining Out / Food Delivery
6x Shipping
3x Everything Else
Avg. Point Value
(Learn More)
$0.005
Bonus Offer

Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. 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

With a relatively low $95 annual fee, 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 and 3% back on select business and travel categories in the US: gas stations, wireless telephone service, shipping, restaurants, flights booked directly, and car rentals booked direct. Remember you’ll earn 3X Hilton Honors points on other eligible purchases, so that would be worth about a 1.5% return on spend.

Hilton Business Credit Card

Hilton Business Credit Card

The Hilton portfolio also has some breathtaking hotels and resorts at which you can spend your Hilton Honors points and Free Night Reward certificates. Many sell for over $1,000 a night and include the Waldorf Astoria Maldives Ithaafushi and the Waldorf Astoria Pedregal in Los Cabos. You could easily make a case that simply being able to earn the lucrative Free Night Reward certificates is reason enough to hold this card.

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
Unique Card Benefits
yes
Extended Warranty
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Roadside Assistance
no
Grants Hotel Status
yes
Airport Lounge Access
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
Purchase Protection
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Amex Offers
yes

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