Capital One Spark Cash Plus vs Chase Ink Business Preferred: which one fits your business?
Side-by-side comparison of Capital One Spark Cash Plus and Chase Ink Business Preferred — 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 (7.9/10 vs 7.3/10).
| Scored on | Capital One Spark Cash Plus | Chase Ink Business Preferred |
|---|---|---|
| Right fit for small biz | 9 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 8 | 7 |
| Customer support | 6 | 6 |
| Features | 9 | 8 |
| Annual Fee | $150 (Refundable) | $95 |
| Late Payment Fee | 2.99% of balance | — |
| Foreign Transaction Fee | None | $0 |
| Employee Card Fee | $0 | — |
| Employee Cards | — | $0 |
| Purchase APR | — | 21.24% - 26.24% (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.
Chase Ink Business Preferred in one paragraph
The best all-around value for businesses spending under $150k on ads and travel who want high-value transfer partners.
Skip it if: Skip it if you spend more than $20,000 a month on advertising or have opened more than 5 personal cards in the last two years.
Frequently asked questions
Which is better, Capital One Spark Cash Plus or Chase Ink Business Preferred?
On our five-axis scorecard, Capital One Spark Cash Plus scores higher (7.9/10 vs 7.3/10). A powerhouse 2% cash-back engine for high-revenue businesses that don't mind a personal guarantee.
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 Preferred?
Skip it if you spend more than $20,000 a month on advertising or have opened more than 5 personal cards in the last two years.