American Express Business Platinum vs Capital One Spark Cash Plus: which one fits your business?
Side-by-side comparison of American Express Business Platinum 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 7/10).
| Scored on | American Express Business Platinum | Capital One Spark Cash Plus |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 6 | 7 |
| Fees & pricing | 5 | 8 |
| Customer support | 7 | 6 |
| Features | 9 | 9 |
| Annual Fee | $695 | $150 (Refundable) |
| Foreign Transaction Fee | None | None |
| Late Payment Fee | Up to $39 | 2.99% of balance |
| Employee Card Fee | — | $0 |
American Express Business Platinum in one paragraph
A high-octane travel tool that pays for itself only if you are willing to manage a complex list of statement credits.
Skip it if: Skip it if you don't travel at least once a month or if your monthly business spend is under $5,000.
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 Platinum or Capital One Spark Cash Plus?
On our five-axis scorecard, Capital One Spark Cash Plus scores higher (7.9/10 vs 7/10). A powerhouse 2% cash-back engine for high-revenue businesses that don't mind a personal guarantee.
Who should skip American Express Business Platinum?
Skip it if you don't travel at least once a month or if your monthly business spend is under $5,000.
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.