Brex Card vs Capital One Spark Miles: which one fits your business?
Side-by-side comparison of Brex Card 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 (7.7/10 vs 7.3/10).
| Scored on | Brex Card | Capital One Spark Miles |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 7 | 9 |
| Fees & pricing | 7 | 7 |
| Customer support | 6 | 6 |
| Features | 8 | 8 |
| Annual Fee | $0 | $0 intro; $95 thereafter |
| Foreign Transaction Fee | $0 | None |
| Monthly Platform Fee | $0 (Standard) / Varies (Premium) | — |
| Late Payment Fee | Account Suspension | Up to $39 |
| Purchase APR | — | 25.99% (Variable) |
| Transfer Fee | — | None |
Brex Card in one paragraph
Brex is the premier choice for venture-backed startups that need to scale spend quickly without personal liability, provided they can maintain the high cash balance requirements.
Skip it if: Skip it if you are a solo entrepreneur or a small business with less than $50,000 in consistent bank deposits.
Capital One Spark Miles in one paragraph
A reliable, high-floor rewards engine for owners who want to earn 2x travel miles on every dollar without managing categories.
Skip it if: Skip it if you carry high monthly balances that could damage your personal credit score due to Capital One's reporting practices.
Frequently asked questions
Which is better, Brex Card or Capital One Spark Miles?
On our five-axis scorecard, Capital One Spark Miles scores higher (7.7/10 vs 7.3/10). A reliable, high-floor rewards engine for owners who want to earn 2x travel miles on every dollar without managing categories.
Who should skip Brex Card?
Skip it if you are a solo entrepreneur or a small business with less than $50,000 in consistent bank deposits.
Who should skip Capital One Spark Miles?
Skip it if you carry high monthly balances that could damage your personal credit score due to Capital One's reporting practices.