Bank of America Business Advantage Travel Rewards vs Capital One Spark Cash Plus: which one fits your business?
Side-by-side comparison of Bank of America Business Advantage Travel Rewards 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 7.2/10).
| Scored on | Bank of America Business Advantage Travel Rewards | Capital One Spark Cash Plus |
|---|---|---|
| Right fit for small biz | 7 | 9 |
| Ease of use | 8 | 7 |
| Fees & pricing | 9 | 8 |
| Customer support | 5 | 6 |
| Features | 6 | 9 |
| Annual Fee | $0 | $150 (Refundable) |
| Foreign Transaction Fee | None | None |
| Intro APR | 0% for 9 months | — |
| Standard Purchase APR | 18.49% - 28.49% variable | — |
| Late Payment Fee | Up to $49 | 2.99% of balance |
| Employee Card Fee | — | $0 |
Bank of America Business Advantage Travel Rewards in one paragraph
An unbeatable 2.62% return for Bank of America loyalists, but a mediocre 1.5% tool for everyone else.
Skip it if: You don't bank with Bank of America and want a card with modern spend-management software.
Read the full Bank of America Business Advantage Travel Rewards 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, Bank of America Business Advantage Travel Rewards or Capital One Spark Cash Plus?
On our five-axis scorecard, Capital One Spark Cash Plus scores higher (7.9/10 vs 7.2/10). A powerhouse 2% cash-back engine for high-revenue businesses that don't mind a personal guarantee.
Who should skip Bank of America Business Advantage Travel Rewards?
You don't bank with Bank of America and want a card with modern spend-management software.
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.