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 7.9/10).
| Scored on | Capital One Spark Cash Plus | Southwest Rapid Rewards Performance Business Credit Card |
|---|---|---|
| Right fit for small biz | 9 | 9 |
| Ease of use | 7 | 8 |
| Fees & pricing | 8 | 7 |
| Customer support | 6 | 7 |
| Features | 9 | 9 |
| Annual Fee | $150 (Refundable) | $199 |
| 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.
Southwest Rapid Rewards Performance Business Credit Card in one paragraph
The ultimate tool for high-spending business owners to unlock nearly free companion travel on Southwest.
Skip it if: Skip it if you don't live near a Southwest hub or if you prefer luxury international travel over domestic efficiency.
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 7.9/10). The ultimate tool for high-spending business owners to unlock nearly free companion travel on Southwest.
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 Southwest Rapid Rewards Performance Business Credit Card?
Skip it if you don't live near a Southwest hub or if you prefer luxury international travel over domestic efficiency.