Capital One Spark Cash Plus vs Chase Ink Business Unlimited: which one fits your business?
Side-by-side comparison of Capital One Spark Cash Plus and Chase Ink Business Unlimited — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Chase Ink Business Unlimited wins on our scorecard (8.5/10 vs 7.9/10).
| Scored on | Capital One Spark Cash Plus | Chase Ink Business Unlimited |
|---|---|---|
| Right fit for small biz | 9 | 9 |
| Ease of use | 7 | 9 |
| Fees & pricing | 8 | 10 |
| Customer support | 6 | 6 |
| Features | 9 | 8 |
| Annual Fee | $150 (Refundable) | $0 |
| Late Payment Fee | 2.99% of balance | $40 |
| Foreign Transaction Fee | None | 3% |
| Employee Card Fee | $0 | — |
| Introductory APR | — | 0% for 12 months |
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 Unlimited in one paragraph
The best zero-fee 'catch-all' card for U.S.-based businesses that want simple 1.5% cash back without tracking complicated categories.
Skip it if: Skip this card if your business regularly buys inventory from international suppliers or requires frequent overseas travel due to the foreign transaction fees.
Frequently asked questions
Which is better, Capital One Spark Cash Plus or Chase Ink Business Unlimited?
On our five-axis scorecard, Chase Ink Business Unlimited scores higher (8.5/10 vs 7.9/10). The best zero-fee 'catch-all' card for U.S.-based businesses that want simple 1.5% cash back without tracking complicated categories.
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 Unlimited?
Skip this card if your business regularly buys inventory from international suppliers or requires frequent overseas travel due to the foreign transaction fees.