Capital One Spark Cash Plus vs Capital One Spark Miles: which one fits your business?
Side-by-side comparison of Capital One Spark Cash Plus 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 7.9/10).
| Scored on | Capital One Spark Cash Plus | Capital One Spark Miles |
|---|---|---|
| Right fit for small biz | 9 | 7 |
| Ease of use | 7 | 9 |
| Fees & pricing | 8 | 10 |
| Customer support | 6 | 6 |
| Features | 9 | 7 |
| Annual Fee | $150 (Refundable) | $0 |
| Late Payment Fee | 2.99% of balance | Up to $39 |
| Foreign Transaction Fee | None | None |
| Employee Card Fee | $0 | — |
| Purchase APR | — | 20.99% - 28.99% Variable |
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.
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, Capital One Spark Cash Plus or Capital One Spark Miles?
On our five-axis scorecard, Capital One Spark Miles scores higher (8/10 vs 7.9/10). 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 Capital One Spark Cash Plus?
You need to carry a balance from month to month or have a credit score below 700.
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.