American Express Blue Business Plus vs Capital One Spark Cash Plus: which one fits your business?
Side-by-side comparison of American Express Blue Business Plus and Capital One Spark Cash Plus — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: American Express Blue Business Plus wins on our scorecard (8.3/10 vs 7.9/10).
| Scored on | American Express Blue Business Plus | Capital One Spark Cash Plus |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 9 | 7 |
| Fees & pricing | 9 | 8 |
| Customer support | 7 | 6 |
| Features | 8 | 9 |
| Annual Fee | $0 | $150 (Refundable) |
| Foreign Transaction Fee | 2.7% | None |
| Late Payment Fee | Up to $40 | 2.99% of balance |
| Employee Card Fee | — | $0 |
American Express Blue Business Plus in one paragraph
The best no-annual-fee business card for simple 2x rewards on the first $50,000 of annual overhead.
Skip it if: You spend more than $50,000 a year or frequently pay international vendors.
Capital One Spark Cash Plus in one paragraph
A powerhouse 2% cash-back engine for high-revenue businesses that don't mind a personal guarantee.
Skip it if: You need to carry a balance from month to month or have a credit score below 700.
Frequently asked questions
Which is better, American Express Blue Business Plus or Capital One Spark Cash Plus?
On our five-axis scorecard, American Express Blue Business Plus scores higher (8.3/10 vs 7.9/10). The best no-annual-fee business card for simple 2x rewards on the first $50,000 of annual overhead.
Who should skip American Express Blue Business Plus?
You spend more than $50,000 a year or frequently pay international vendors.
Who should skip Capital One Spark Cash Plus?
You need to carry a balance from month to month or have a credit score below 700.