American Express Business Gold vs Capital One Spark Cash Plus: which one fits your business?
Side-by-side comparison of American Express Business Gold and Capital One Spark Cash Plus — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Capital One Spark Cash Plus wins on our scorecard (7.7/10 vs 7.6/10).
| Scored on | American Express Business Gold | Capital One Spark Cash Plus |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 8 | 9 |
| Fees & pricing | 6 | 7 |
| Customer support | 7 | 6 |
| Features | 9 | 8 |
| Annual Fee | $375 | $150 (waived with $150k spend) |
| Foreign Transaction Fee | $0 | $0 |
| Employee Card Fee | $0 up to 99 cards | — |
| Late Payment Fee | Up to $39 or 2.99% | — |
| Purchase APR | 19.49% - 28.49% (Variable) | — |
| Interest Rate | — | N/A (Charge Card) |
| Late Fee | — | 2.99% of balance |
American Express Business Gold in one paragraph
A high-octane rewards engine for businesses spending heavily on ads and tech, provided you can stomach the $375 entry fee.
Skip it if: Skip it if your monthly business spend is under $3,000 or you prefer a simple cash-back structure.
Capital One Spark Cash Plus in one paragraph
A high-octane 2% cash-back engine for businesses that spend big and pay their bills in full every 30 days.
Skip it if: Skip it if you ever need to carry a balance month-to-month to manage cash flow emergencies.
Frequently asked questions
Which is better, American Express Business Gold or Capital One Spark Cash Plus?
On our five-axis scorecard, Capital One Spark Cash Plus scores higher (7.7/10 vs 7.6/10). A high-octane 2% cash-back engine for businesses that spend big and pay their bills in full every 30 days.
Who should skip American Express Business Gold?
Skip it if your monthly business spend is under $3,000 or you prefer a simple cash-back structure.
Who should skip Capital One Spark Cash Plus?
Skip it if you ever need to carry a balance month-to-month to manage cash flow emergencies.