Capital One Spark Cash Plus vs CitiBusiness / AAdvantage Platinum Select Mastercard: which one fits your business?
Side-by-side comparison of Capital One Spark Cash Plus and CitiBusiness / AAdvantage Platinum Select Mastercard — 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 7.1/10).
| Scored on | Capital One Spark Cash Plus | CitiBusiness / AAdvantage Platinum Select Mastercard |
|---|---|---|
| Right fit for small biz | 9 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 8 | 8 |
| Customer support | 6 | 5 |
| Features | 9 | 7 |
| Annual Fee | $150 (Refundable) | $99 (waived first year) |
| Late Payment Fee | 2.99% of balance | — |
| Foreign Transaction Fee | None | $0 |
| Employee Card Fee | $0 | — |
| Purchase APR | — | 21.24% - 29.24% (Variable) |
| Employee Cards | — | $0 |
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.
CitiBusiness / AAdvantage Platinum Select Mastercard in one paragraph
A solid, cost-effective tool for AA-loyal small businesses that pays for itself through waived bag fees and a low annual cost.
Skip it if: Skip it if your business spending is mostly digital (SaaS, Ads) rather than legacy utilities and travel.
Read the full CitiBusiness / AAdvantage Platinum Select Mastercard review
Frequently asked questions
Which is better, Capital One Spark Cash Plus or CitiBusiness / AAdvantage Platinum Select Mastercard?
On our five-axis scorecard, Capital One Spark Cash Plus scores higher (7.9/10 vs 7.1/10). 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 CitiBusiness / AAdvantage Platinum Select Mastercard?
Skip it if your business spending is mostly digital (SaaS, Ads) rather than legacy utilities and travel.