American Express Blue Business Plus vs Capital One Spark Miles: which one fits your business?
Side-by-side comparison of American Express Blue Business Plus and Capital One Spark Miles — 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 8/10).
| Scored on | American Express Blue Business Plus | Capital One Spark Miles |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 9 | 9 |
| Fees & pricing | 9 | 10 |
| Customer support | 7 | 6 |
| Features | 8 | 7 |
| Annual Fee | $0 | $0 |
| Foreign Transaction Fee | 2.7% | None |
| Late Payment Fee | Up to $40 | Up to $39 |
| Purchase APR | — | 20.99% - 28.99% Variable |
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 Miles in one paragraph
A top-tier choice for simple 2% travel rewards if you don't mind your business debt appearing on your personal credit report.
Skip it if: Skip it if you carry high monthly balances that could negatively impact your personal credit score due to high utilization reporting.
Frequently asked questions
Which is better, American Express Blue Business Plus or Capital One Spark Miles?
On our five-axis scorecard, American Express Blue Business Plus scores higher (8.3/10 vs 8/10). 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 Miles?
Skip it if you carry high monthly balances that could negatively impact your personal credit score due to high utilization reporting.