Capital One Spark Cash Plus vs The Plum Card from American Express: which one fits your business?
Side-by-side comparison of Capital One Spark Cash Plus and The Plum Card from American Express — 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 7.3/10).
| Scored on | Capital One Spark Cash Plus | The Plum Card from American Express |
|---|---|---|
| Right fit for small biz | 9 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 8 | 7 |
| Customer support | 6 | 6 |
| Features | 9 | 8 |
| Annual Fee | $150 (Refundable) | $250 (waived first year) |
| Late Payment Fee | 2.99% of balance | — |
| Foreign Transaction Fee | None | $0 |
| Employee Card Fee | $0 | — |
| Early Pay Discount | — | 1.5% |
| Late Fee | — | Up to 2.99% of past due amount |
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.
The Plum Card from American Express in one paragraph
The Plum Card is a powerful liquidity tool for inventory-heavy businesses that value payment flexibility over travel perks.
Skip it if: Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.
Frequently asked questions
Which is better, Capital One Spark Cash Plus or The Plum Card from American Express?
On our five-axis scorecard, Capital One Spark Cash Plus scores higher (7.9/10 vs 7.3/10). 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 The Plum Card from American Express?
Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.