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 (7.7/10 vs 7.1/10).
| Scored on | Capital One Spark Cash Plus | CitiBusiness / AAdvantage Platinum Select Mastercard |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 9 | 7 |
| Fees & pricing | 7 | 8 |
| Customer support | 6 | 5 |
| Features | 8 | 7 |
| Annual Fee | $150 | $99 (waived first year) |
| Foreign Transaction Fee | $0 | $0 |
| Late Payment Fee | 2.99% of unpaid balance | — |
| Additional Employee Cards | $0 | — |
| Purchase APR | N/A (Pay in full) | 21.24% - 29.24% (Variable) |
| Employee Cards | — | $0 |
Capital One Spark Cash Plus in one paragraph
A powerful 2% cash-back engine for high-spend businesses that can pay in full monthly, though its personal credit reporting is a major caveat.
Skip it if: You need to carry a balance month-to-month or plan to apply for a personal mortgage in the next 12 months.
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 (7.7/10 vs 7.1/10). A powerful 2% cash-back engine for high-spend businesses that can pay in full monthly, though its personal credit reporting is a major caveat.
Who should skip Capital One Spark Cash Plus?
You need to carry a balance month-to-month or plan to apply for a personal mortgage in the next 12 months.
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.