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 (8/10 vs 7.5/10).
| Scored on | American Express Business Gold | Capital One Spark Miles |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 8 | 9 |
| Fees & pricing | 6 | 10 |
| Customer support | 6 | 6 |
| Features | 9 | 7 |
| Annual Fee | $375 | $0 |
| Foreign Transaction Fee | $0 | None |
| Late Payment Fee | Up to $39 | Up to $39 |
| Additional Employee Cards | $0 for first 99 cards | — |
| Purchase APR | — | 20.99% - 28.99% Variable |
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 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 Business Gold or Capital One Spark Miles?
On our five-axis scorecard, Capital One Spark Miles scores higher (8/10 vs 7.5/10). A top-tier choice for simple 2% travel rewards if you don't mind your business debt appearing on your personal credit report.
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 Miles?
Skip it if you carry high monthly balances that could negatively impact your personal credit score due to high utilization reporting.