American Express Business Gold vs Capital One Spark Miles: which one fits your business?
Side-by-side comparison of American Express Business Gold and Capital One Spark Miles — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Capital One Spark Miles wins on our scorecard (7.7/10 vs 7.6/10).
| Scored on | American Express Business Gold | Capital One Spark Miles |
|---|---|---|
| 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 | $0 intro; $95 thereafter |
| Foreign Transaction Fee | $0 | None |
| Employee Card Fee | $0 up to 99 cards | — |
| Late Payment Fee | Up to $39 or 2.99% | Up to $39 |
| Purchase APR | 19.49% - 28.49% (Variable) | 25.99% (Variable) |
| Transfer Fee | — | None |
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 Miles in one paragraph
A reliable, high-floor rewards engine for owners who want to earn 2x travel miles on every dollar without managing categories.
Skip it if: Skip it if you carry high monthly balances that could damage your personal credit score due to Capital One's reporting practices.
Frequently asked questions
Which is better, American Express Business Gold or Capital One Spark Miles?
On our five-axis scorecard, Capital One Spark Miles scores higher (7.7/10 vs 7.6/10). A reliable, high-floor rewards engine for owners who want to earn 2x travel miles on every dollar without managing categories.
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 Miles?
Skip it if you carry high monthly balances that could damage your personal credit score due to Capital One's reporting practices.