Capital One Spark Cash Plus vs Citizens Bank Business Platinum Mastercard: which one fits your business?
Side-by-side comparison of Capital One Spark Cash Plus and Citizens Bank Business Platinum 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 6.3/10).
| Scored on | Capital One Spark Cash Plus | Citizens Bank Business Platinum Mastercard |
|---|---|---|
| Right fit for small biz | 8 | 6 |
| Ease of use | 9 | 7 |
| Fees & pricing | 7 | 9 |
| Customer support | 6 | 5 |
| Features | 8 | 4 |
| Annual Fee | $150 | $0 |
| Foreign Transaction Fee | $0 | 3% |
| Late Payment Fee | 2.99% of unpaid balance | Up to $40 |
| Additional Employee Cards | $0 | — |
| Purchase APR | N/A (Pay in full) | — |
| Intro Purchase APR | — | 0% for 12 months |
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.
Citizens Bank Business Platinum Mastercard in one paragraph
A utilitarian tool for zero-interest financing that lacks the rewards needed to be a primary business spender.
Skip it if: You want to earn cash back or travel points on your daily business expenses.
Read the full Citizens Bank Business Platinum Mastercard review
Frequently asked questions
Which is better, Capital One Spark Cash Plus or Citizens Bank Business Platinum Mastercard?
On our five-axis scorecard, Capital One Spark Cash Plus scores higher (7.7/10 vs 6.3/10). 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 Citizens Bank Business Platinum Mastercard?
You want to earn cash back or travel points on your daily business expenses.