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VS

Compare the Features and Benefits of Capital One Spark Miles for Business and
Chase Ink Business Cash® Credit Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Primary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
No Fees for Authorized Users
Earns Transferable Points
Airport Lounge Access
Global Entry / TSA PreCheck Reimbursement
No Foreign Transaction Fees
0% Intro APR on Purchases
Does Not Report Credit Line to Personal Credit Profile
Roadside Assistance
Travel and Emergency Assistance Services
Annual Fee
$0 Introductory Annual Fee for the first year, then $95
Avg. Min. Credit Score
670-850
APR on purchases
-
Ongoing APR
25.74% (Variable)
Balance transfers fees
$0 at the Transfer APR
Best Multiplier
5x Car Rentals

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Otherwise, your travel purchase will earn 2X miles.

5x Hotels

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Otherwise, your travel purchase will earn 2X miles.

2x Everything Else
Avg. Point Value
(Learn More)
$0.016
Bonus Offer
Get 50,000 Capital One miles when you spend $4,500 in your first 3 months
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.13) 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 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.

car-rental-coverage-capital-one-spark-miles

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.

Read more
Unique Card Benefits
yes
Primary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
No Fees for Authorized Users
yes
Earns Transferable Points
yes
Airport Lounge Access
yes
Global Entry / TSA PreCheck Reimbursement
yes
No Foreign Transaction Fees
yes
0% Intro APR on Purchases
no
Does Not Report Credit Line to Personal Credit Profile
no
Roadside Assistance
no
Travel and Emergency Assistance Services
no
Annual Fee
$0
Avg. Min. Credit Score
670-850
APR on purchases
0% Intro APR (on purchases for 12 months, 17.99%-25.99% thereafter)
Ongoing APR
17.99%-25.99% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Cable / Internet / VOIP Phone
5x Cellular Phone Service
5x Office Supplies
5x Lyft
2x Gas Stations
2x Dining Out / Food Delivery
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer
Earn $350 in the form of 35,000 Ultimate Rewards points when you spend $3,000 on purchases in the first three months and an additional $400 in the form of 40,000 Ultimate Rewards points when you spend $6,000 on purchases in the first six months after account opening. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.83) 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

For most small business owners, it makes sense to have all three Chase Ink credit cards: this card, the Chase Ink Business Cash® Credit Card, the Chase Ink Preferred®, and the Chase Ink Unlimited®.

They all complement each other perfectly. Once you have a the Chase Ink Preferred®, which allows you to transfer points to Chase’s great lineup of airline and hotel partners like World of Hyatt, you will want to get the Ink Cash and Ink Unlimited to maximize your total earnings on bonus categories – since all points can be combined to your Ink Preferred.

The Ink Cash is a truly amazing card when it comes to bonus multipliers on select business categories. With 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year plus 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, you have tremendous bonus category multipliers on a no annual fee card.

restaurants-chase-ink-business-cash-credit-card

But the most important thing to know is that although this card says you are earning cash back, that is only if you don’t also have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card.

Either way, you are earning Chase Ultimate Rewards points. But without one of the above cards, you can only redeem your points for 1 cent per point. Once you do have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card in your arsenal, though, you’ll be able to move your points from your Ink Cash to any of those three cards, where you can either transfer to airline and hotel partner programs or redeem through the Chase Ultimate Rewards portal where your points are worth 1.25 – 1.5 cents each, depending on which card you have. The Ink Preferred and Sapphire Preferred offer 1.25 cents a point while the much higher annual fee Sapphire Reserve gives you 1.5 cents per point when booking travel in the Ultimate Rewards portal.

Even if you don’t “combo” your Ink Cash, those 5% and 2% bonus categories are exceptionally strong for business spending on a business credit card with no annual fees. And that large signup bonus doesn’t hurt either!

Overall, the Chase Ink Cash is one of my very favorite cards. I charge my cable, internet, and phone to the card and use it often at office supply stores, which sell a wide array of goods. I also use it for gas stations and dining as I like racking up Chase Ultimate Rewards points at a 2X bonus rate.

But keep in mind that it is at its most powerful when paired with a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card. To show you the difference, you know cash back means each point is worth a penny. But when you have it paired with one of these other cards to unlock points transfers, we value those points at 1.75 cents a piece – due to the flexibility of transfer partners and the potential redemptions those programs offer. So pairing your card boosts the rewards value, in our humble opinion, by 75%.

When using our spend calculator on this card, you’ll notice that we ask if you have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card and, if you do, we’ll increase the value of rewards on this card from 1 cent to 1.75 cents accordingly.

Please note: you must be under 5/24 (more on the Chase 5/24 rule) to apply for this card and you cannot apply for more than one Chase Business card in any 30 day period. You can apply for a maximum of two Chase cards within 30 days, with only, at most, 1 of them being a business card.


This card is also mentioned in the article Business Credit Cards That Don’t Report to Personal Credit Bureaus.

Read more
Unique Card Benefits
yes
Primary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
No Fees for Authorized Users
yes
Earns Transferable Points
no
Airport Lounge Access
no
Global Entry / TSA PreCheck Reimbursement
no
No Foreign Transaction Fees
no
0% Intro APR on Purchases
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Roadside Assistance
yes
Travel and Emergency Assistance Services
yes

Learn more about these cards today

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