American Express Business Green Rewards Card vs Capital One Spark Cash Plus: which one fits your business?
Side-by-side comparison of American Express Business Green Rewards Card 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 7.4/10).
| Scored on | American Express Business Green Rewards Card | Capital One Spark Cash Plus |
|---|---|---|
| Right fit for small biz | 7 | 9 |
| Ease of use | 9 | 7 |
| Fees & pricing | 8 | 8 |
| Customer support | 7 | 6 |
| Features | 6 | 9 |
| Annual Fee | $95 (waived first year) | $150 (Refundable) |
| Foreign Transaction Fee | $0 | None |
| Late Payment Fee | Up to $39 | 2.99% of balance |
| Penalty APR | 29.99% variable | — |
| Employee Card Fee | — | $0 |
American Express Business Green Rewards Card in one paragraph
A solid entry-level charge card for businesses that want Amex travel perks without the premium price tag, though its daily earning rates are lackluster.
Skip it if: You don't book travel through AmexTravel.com and prefer simple cash-back on office expenses.
Read the full American Express Business Green Rewards Card review
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 Green Rewards Card or Capital One Spark Cash Plus?
On our five-axis scorecard, Capital One Spark Cash Plus scores higher (7.9/10 vs 7.4/10). A powerhouse 2% cash-back engine for high-revenue businesses that don't mind a personal guarantee.
Who should skip American Express Business Green Rewards Card?
You don't book travel through AmexTravel.com and prefer simple cash-back on office expenses.
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.