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: Capital One Spark Cash Plus wins on our scorecard (7.9/10 vs 7.4/10).
| Scored on | Capital One Spark Cash Plus | Hilton Honors American Express Business Card |
|---|---|---|
| Right fit for small biz | 9 | 7 |
| Ease of use | 7 | 9 |
| Fees & pricing | 8 | 6 |
| Customer support | 6 | 7 |
| Features | 9 | 8 |
| Annual Fee | $150 (Refundable) | $195 |
| Late Payment Fee | 2.99% of balance | Up to $40 |
| Foreign Transaction Fee | None | $0 |
| Employee Card Fee | $0 | — |
| Purchase APR | — | 20.99% - 29.99% Variable |
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.
Hilton Honors American Express Business Card in one paragraph
A powerhouse for Hilton loyalists that pays for itself through Gold status, though the $100k spend cap limits its utility for high-growth firms.
Skip it if: You don't stay at Hilton hotels or your annual business spend exceeds $100,000 in non-travel categories.
Read the full Hilton Honors American Express Business Card review
Frequently asked questions
Which is better, Capital One Spark Cash Plus or Hilton Honors American Express Business Card?
On our five-axis scorecard, Capital One Spark Cash Plus scores higher (7.9/10 vs 7.4/10). 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 Hilton Honors American Express Business Card?
You don't stay at Hilton hotels or your annual business spend exceeds $100,000 in non-travel categories.