Capital One Spark Miles vs Chase Ink Business Preferred: which one fits your business?
Side-by-side comparison of Capital One Spark Miles and Chase Ink Business Preferred — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Capital One Spark Miles wins on our scorecard (8/10 vs 7.3/10).
| Scored on | Capital One Spark Miles | Chase Ink Business Preferred |
|---|---|---|
| Right fit for small biz | 7 | 8 |
| Ease of use | 9 | 7 |
| Fees & pricing | 10 | 7 |
| Customer support | 6 | 6 |
| Features | 7 | 8 |
| Annual Fee | $0 | $95 |
| Foreign Transaction Fee | None | $0 |
| Purchase APR | 20.99% - 28.99% Variable | 21.24% - 26.24% (Variable) |
| Late Payment Fee | Up to $39 | — |
| Employee Cards | — | $0 |
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 Preferred in one paragraph
The best all-around value for businesses spending under $150k on ads and travel who want high-value transfer partners.
Skip it if: Skip it if you spend more than $20,000 a month on advertising or have opened more than 5 personal cards in the last two years.
Frequently asked questions
Which is better, Capital One Spark Miles or Chase Ink Business Preferred?
On our five-axis scorecard, Capital One Spark Miles scores higher (8/10 vs 7.3/10). A top-tier choice for simple 2% travel rewards if you don't mind your business debt appearing on your personal credit report.
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 Preferred?
Skip it if you spend more than $20,000 a month on advertising or have opened more than 5 personal cards in the last two years.