Capital One Spark Cash Plus vs Hilton Honors American Express Business Card: which one fits your business?
Side-by-side comparison of Capital One Spark Cash Plus and Hilton Honors American Express Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: it's a tie on our scorecard — pick on fit, not score.
| Scored on | Capital One Spark Cash Plus | Hilton Honors American Express Business Card |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 9 | 8 |
| Fees & pricing | 7 | 7 |
| Customer support | 6 | 7 |
| Features | 8 | 8 |
| Annual Fee | $150 | $195 |
| Foreign Transaction Fee | $0 | $0 |
| Late Payment Fee | 2.99% of unpaid balance | Up to $40 |
| Additional Employee Cards | $0 | — |
| Purchase APR | N/A (Pay in full) | 20.99% - 29.99% Variable |
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.
Hilton Honors American Express Business Card in one paragraph
A powerhouse for businesses with high miscellaneous spend who want to turn their overhead into luxury Hilton stays.
Skip it if: You prefer staying at boutique hotels or Marriott properties and don't want to be locked into one brand.
Read the full Hilton Honors American Express Business Card review
Frequently asked questions
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 Hilton Honors American Express Business Card?
You prefer staying at boutique hotels or Marriott properties and don't want to be locked into one brand.