Capital One Spark Cash Plus vs Southwest Rapid Rewards Performance Business Credit Card: which one fits your business?
Side-by-side comparison of Capital One Spark Cash Plus and Southwest Rapid Rewards Performance Business Credit Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Southwest Rapid Rewards Performance Business Credit Card wins on our scorecard (8/10 vs 7.7/10).
| Scored on | Capital One Spark Cash Plus | Southwest Rapid Rewards Performance Business Credit Card |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 9 | 8 |
| Fees & pricing | 7 | 7 |
| Customer support | 6 | 7 |
| Features | 8 | 9 |
| Annual Fee | $150 | $199 |
| Foreign Transaction Fee | $0 | $0 |
| Late Payment Fee | 2.99% of unpaid balance | — |
| Additional Employee Cards | $0 | — |
| Purchase APR | N/A (Pay in full) | — |
| Employee Cards | — | $0 |
| Late Payment | — | 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.
Southwest Rapid Rewards Performance Business Credit Card in one paragraph
The ultimate domestic travel tool for business owners who spend heavily on digital ads and want to fly a partner for free via the Companion Pass.
Skip it if: You primarily fly international routes or your business spend is mostly at physical retail stores rather than online services.
Read the full Southwest Rapid Rewards Performance Business Credit Card review
Frequently asked questions
Which is better, Capital One Spark Cash Plus or Southwest Rapid Rewards Performance Business Credit Card?
On our five-axis scorecard, Southwest Rapid Rewards Performance Business Credit Card scores higher (8/10 vs 7.7/10). The ultimate domestic travel tool for business owners who spend heavily on digital ads and want to fly a partner for free via the Companion Pass.
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 Southwest Rapid Rewards Performance Business Credit Card?
You primarily fly international routes or your business spend is mostly at physical retail stores rather than online services.