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 (7.9/10 vs 7.5/10).
| Scored on | American Express Business Gold | Capital One Spark Cash Plus |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 8 | 7 |
| Fees & pricing | 6 | 8 |
| Customer support | 6 | 6 |
| Features | 9 | 9 |
| Annual Fee | $375 | $150 (Refundable) |
| Foreign Transaction Fee | $0 | None |
| Late Payment Fee | Up to $39 | 2.99% of balance |
| Additional Employee Cards | $0 for first 99 cards | — |
| Employee Card Fee | — | $0 |
American Express Business Gold in one paragraph
The best card for businesses spending six figures on ads or tech, provided you don't mind the $375 price of admission.
Skip it if: Skip it if your primary business expenses are rent, payroll, or taxes, as none of these earn bonus points.
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 Business Gold or Capital One Spark Cash Plus?
On our five-axis scorecard, Capital One Spark Cash Plus scores higher (7.9/10 vs 7.5/10). A powerhouse 2% cash-back engine for high-revenue businesses that don't mind a personal guarantee.
Who should skip American Express Business Gold?
Skip it if your primary business expenses are rent, payroll, or taxes, as none of these earn bonus points.
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.