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: IHG One Rewards Premier Business Credit Card wins on our scorecard (7.8/10 vs 7.7/10).
| Scored on | Capital One Spark Cash Plus | IHG One Rewards Premier Business Credit Card |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 9 | 7 |
| Fees & pricing | 7 | 8 |
| Customer support | 6 | 6 |
| Features | 8 | 9 |
| Annual Fee | $150 | — |
| Foreign Transaction Fee | $0 | — |
| Late Payment Fee | 2.99% of unpaid balance | — |
| Additional Employee Cards | $0 | — |
| Purchase APR | N/A (Pay in full) | 21.49% - 28.49% variable |
| Annual fee | — | $99 |
| Foreign transaction fee | — | $0 |
| Late payment fee | — | Up to $40 |
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.
IHG One Rewards Premier Business Credit Card in one paragraph
A high-value travel tool that pays for itself through a single annual free night and United Airlines credits.
Skip it if: You prefer staying at boutique Airbnbs or don't want to be locked into a specific hotel brand's ecosystem.
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, IHG One Rewards Premier Business Credit Card scores higher (7.8/10 vs 7.7/10). A high-value travel tool that pays for itself through a single annual free night and United Airlines credits.
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 IHG One Rewards Premier Business Credit Card?
You prefer staying at boutique Airbnbs or don't want to be locked into a specific hotel brand's ecosystem.