Amazon Business Prime American Express Card vs Capital One Spark Cash Plus: which one fits your business?
Side-by-side comparison of Amazon Business Prime American Express Card and Capital One Spark Cash Plus — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Amazon Business Prime American Express Card wins on our scorecard (8/10 vs 7.7/10).
| Scored on | Amazon Business Prime American Express Card | Capital One Spark Cash Plus |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 8 | 9 |
| Fees & pricing | 9 | 7 |
| Customer support | 6 | 6 |
| Features | 8 | 8 |
| Annual fee | $0 | — |
| Foreign transaction fee | None | — |
| Purchase APR | 19.49% - 27.49% variable | N/A (Pay in full) |
| Late payment fee | Up to $39 | — |
| Annual Fee | — | $150 |
| Foreign Transaction Fee | — | $0 |
| Late Payment Fee | — | 2.99% of unpaid balance |
| Additional Employee Cards | — | $0 |
Amazon Business Prime American Express Card in one paragraph
A must-have for Amazon-reliant businesses, offering an unbeatable 5% rebate or essential 90-day cash flow flexibility.
Skip it if: Skip it if you don't already pay for Amazon Business Prime or if your business spend is primarily outside the Amazon ecosystem.
Read the full Amazon Business Prime American Express Card review
Capital One Spark Cash Plus in one paragraph
A powerful 2% cash-back engine for high-spend businesses that can pay in full monthly, though its personal credit reporting is a major caveat.
Skip it if: You need to carry a balance month-to-month or plan to apply for a personal mortgage in the next 12 months.
Frequently asked questions
Which is better, Amazon Business Prime American Express Card or Capital One Spark Cash Plus?
On our five-axis scorecard, Amazon Business Prime American Express Card scores higher (8/10 vs 7.7/10). A must-have for Amazon-reliant businesses, offering an unbeatable 5% rebate or essential 90-day cash flow flexibility.
Who should skip Amazon Business Prime American Express Card?
Skip it if you don't already pay for Amazon Business Prime or if your business spend is primarily outside the Amazon ecosystem.
Who should skip Capital One Spark Cash Plus?
You need to carry a balance month-to-month or plan to apply for a personal mortgage in the next 12 months.