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 (7.7/10 vs 7.2/10).
| Scored on | Bank of America Business Advantage Travel Rewards | Capital One Spark Cash Plus |
|---|---|---|
| Right fit for small biz | 7 | 8 |
| Ease of use | 8 | 9 |
| Fees & pricing | 9 | 7 |
| Customer support | 5 | 6 |
| Features | 6 | 8 |
| Annual Fee | $0 | $150 (waived with $150k spend) |
| Foreign Transaction Fee | None | $0 |
| Intro APR | 0% for 9 months | — |
| Standard Purchase APR | 18.49% - 28.49% variable | — |
| Late Payment Fee | Up to $49 | — |
| Interest Rate | — | N/A (Charge Card) |
| Late Fee | — | 2.99% of balance |
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 high-octane 2% cash-back engine for businesses that spend big and pay their bills in full every 30 days.
Skip it if: Skip it if you ever need to carry a balance month-to-month to manage cash flow emergencies.
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 (7.7/10 vs 7.2/10). A high-octane 2% cash-back engine for businesses that spend big and pay their bills in full every 30 days.
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?
Skip it if you ever need to carry a balance month-to-month to manage cash flow emergencies.