Bank of America Business Advantage Travel Rewards vs Capital One Spark Miles: which one fits your business?
Side-by-side comparison of Bank of America Business Advantage Travel Rewards 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 7.2/10).
| Scored on | Bank of America Business Advantage Travel Rewards | Capital One Spark Miles |
|---|---|---|
| Right fit for small biz | 7 | 7 |
| Ease of use | 8 | 9 |
| Fees & pricing | 9 | 10 |
| Customer support | 5 | 6 |
| Features | 6 | 7 |
| Annual Fee | $0 | $0 |
| 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 | Up to $39 |
| Purchase APR | — | 20.99% - 28.99% Variable |
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 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, Bank of America Business Advantage Travel Rewards or Capital One Spark Miles?
On our five-axis scorecard, Capital One Spark Miles scores higher (8/10 vs 7.2/10). 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 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 Miles?
Skip it if you carry high monthly balances that could negatively impact your personal credit score due to high utilization reporting.