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 (7.7/10 vs 7.1/10).
| Scored on | Capital One Spark Cash Plus | The Plum Card from American Express |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 9 | 8 |
| Fees & pricing | 7 | 6 |
| Customer support | 6 | 6 |
| Features | 8 | 8 |
| Annual Fee | $150 | $250 |
| Foreign Transaction Fee | $0 | $0 |
| Late Payment Fee | 2.99% of unpaid balance | — |
| Additional Employee Cards | $0 | — |
| Purchase APR | N/A (Pay in full) | — |
| Early Pay Discount | — | 1.5% |
| Late Fee | — | $39 or 2.99% |
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.
The Plum Card from American Express in one paragraph
A specialized cash-flow tool that excels for inventory-heavy businesses but loses to cheaper 2% cards for everyone else.
Skip it if: You have steady cash flow and can always pay your balance in full within 30 days.
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 (7.7/10 vs 7.1/10). 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.
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 The Plum Card from American Express?
You have steady cash flow and can always pay your balance in full within 30 days.