American Express Business Platinum vs Capital One Spark Miles: which one fits your business?
Side-by-side comparison of American Express Business Platinum 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 7/10).
| Scored on | American Express Business Platinum | Capital One Spark Miles |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 6 | 9 |
| Fees & pricing | 5 | 10 |
| Customer support | 7 | 6 |
| Features | 9 | 7 |
| Annual Fee | $695 | $0 |
| Foreign Transaction Fee | None | None |
| Late Payment Fee | Up to $39 | Up to $39 |
| Purchase APR | — | 20.99% - 28.99% Variable |
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 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 Platinum or Capital One Spark Miles?
On our five-axis scorecard, Capital One Spark Miles scores higher (8/10 vs 7/10). 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 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 Miles?
Skip it if you carry high monthly balances that could negatively impact your personal credit score due to high utilization reporting.