Capital One Spark Cash Plus vs Chase Ink Business Cash: which one fits your business?
Side-by-side comparison of Capital One Spark Cash Plus and Chase Ink Business Cash — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Chase Ink Business Cash wins on our scorecard (8.2/10 vs 7.9/10).
| Scored on | Capital One Spark Cash Plus | Chase Ink Business Cash |
|---|---|---|
| Right fit for small biz | 9 | 9 |
| Ease of use | 7 | 7 |
| Fees & pricing | 8 | 10 |
| Customer support | 6 | 6 |
| Features | 9 | 8 |
| Annual Fee | $150 (Refundable) | — |
| Late Payment Fee | 2.99% of balance | — |
| Foreign Transaction Fee | None | — |
| Employee Card Fee | $0 | — |
| Annual fee | — | $0 |
| Foreign transaction fee | — | 3% |
| Purchase APR | — | 18.49% - 24.49% variable |
| Late payment fee | — | Up to $40 |
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.
Chase Ink Business Cash in one paragraph
The absolute gold standard for no-fee business cards if your biggest costs are tech, phone, and office supplies.
Skip it if: Skip it if you spend more than $5,000 a year on international travel or foreign vendor payments.
Frequently asked questions
Which is better, Capital One Spark Cash Plus or Chase Ink Business Cash?
On our five-axis scorecard, Chase Ink Business Cash scores higher (8.2/10 vs 7.9/10). The absolute gold standard for no-fee business cards if your biggest costs are tech, phone, and office supplies.
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 Chase Ink Business Cash?
Skip it if you spend more than $5,000 a year on international travel or foreign vendor payments.