Capital One Spark Miles vs Chase Ink Business Cash: which one fits your business?
Side-by-side comparison of Capital One Spark Miles and Chase Ink Business Cash — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Chase Ink Business Cash wins on our scorecard (8.2/10 vs 8/10).
| Scored on | Capital One Spark Miles | Chase Ink Business Cash |
|---|---|---|
| Right fit for small biz | 7 | 9 |
| Ease of use | 9 | 7 |
| Fees & pricing | 10 | 10 |
| Customer support | 6 | 6 |
| Features | 7 | 8 |
| Annual Fee | $0 | — |
| Foreign Transaction Fee | None | — |
| Purchase APR | 20.99% - 28.99% Variable | 18.49% - 24.49% variable |
| Late Payment Fee | Up to $39 | — |
| Annual fee | — | $0 |
| Foreign transaction fee | — | 3% |
| Late payment fee | — | Up to $40 |
Capital One Spark Miles in one paragraph
A top-tier choice for simple 2% travel rewards if you don't mind your business debt appearing on your personal credit report.
Skip it if: Skip it if you carry high monthly balances that could negatively impact your personal credit score due to high utilization reporting.
Chase Ink Business Cash in one paragraph
The absolute gold standard for no-fee business cards if your biggest costs are tech, phone, and office supplies.
Skip it if: Skip it if you spend more than $5,000 a year on international travel or foreign vendor payments.
Frequently asked questions
Which is better, Capital One Spark Miles or Chase Ink Business Cash?
On our five-axis scorecard, Chase Ink Business Cash scores higher (8.2/10 vs 8/10). The absolute gold standard for no-fee business cards if your biggest costs are tech, phone, and office supplies.
Who should skip Capital One Spark Miles?
Skip it if you carry high monthly balances that could negatively impact your personal credit score due to high utilization reporting.
Who should skip Chase Ink Business Cash?
Skip it if you spend more than $5,000 a year on international travel or foreign vendor payments.