Capital One Spark Cash Plus vs IHG One Rewards Premier Business Credit Card: which one fits your business?
Side-by-side comparison of Capital One Spark Cash Plus and IHG One Rewards Premier Business Credit 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 7.8/10).
| Scored on | Capital One Spark Cash Plus | IHG One Rewards Premier Business Credit Card |
|---|---|---|
| Right fit for small biz | 9 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 8 | 8 |
| Customer support | 6 | 6 |
| Features | 9 | 9 |
| Annual Fee | $150 (Refundable) | $99 |
| Late Payment Fee | 2.99% of balance | Up to $40 |
| Foreign Transaction Fee | None | $0 |
| Employee Card Fee | $0 | — |
| Purchase APR | — | 21.49% - 28.49% 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.
IHG One Rewards Premier Business Credit Card in one paragraph
A high-value travel tool that pays for itself through a single free night, despite Chase's strict application rules.
Skip it if: You don't stay at IHG properties at least twice a year or you have already opened 5+ cards in the last two years.
Read the full IHG One Rewards Premier Business Credit Card review
Frequently asked questions
Which is better, Capital One Spark Cash Plus or IHG One Rewards Premier Business Credit Card?
On our five-axis scorecard, Capital One Spark Cash Plus scores higher (7.9/10 vs 7.8/10). 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 IHG One Rewards Premier Business Credit Card?
You don't stay at IHG properties at least twice a year or you have already opened 5+ cards in the last two years.