Capital One Spark Miles vs Chase Ink Business Unlimited: which one fits your business?
Side-by-side comparison of Capital One Spark Miles and Chase Ink Business Unlimited — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Chase Ink Business Unlimited wins on our scorecard (8.5/10 vs 8/10).
| Scored on | Capital One Spark Miles | Chase Ink Business Unlimited |
|---|---|---|
| Right fit for small biz | 7 | 9 |
| Ease of use | 9 | 9 |
| Fees & pricing | 10 | 10 |
| Customer support | 6 | 6 |
| Features | 7 | 8 |
| Annual Fee | $0 | $0 |
| Foreign Transaction Fee | None | 3% |
| Purchase APR | 20.99% - 28.99% Variable | — |
| Late Payment Fee | Up to $39 | $40 |
| Introductory APR | — | 0% for 12 months |
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 Unlimited in one paragraph
The best zero-fee 'catch-all' card for U.S.-based businesses that want simple 1.5% cash back without tracking complicated categories.
Skip it if: Skip this card if your business regularly buys inventory from international suppliers or requires frequent overseas travel due to the foreign transaction fees.
Frequently asked questions
Which is better, Capital One Spark Miles or Chase Ink Business Unlimited?
On our five-axis scorecard, Chase Ink Business Unlimited scores higher (8.5/10 vs 8/10). The best zero-fee 'catch-all' card for U.S.-based businesses that want simple 1.5% cash back without tracking complicated categories.
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 Unlimited?
Skip this card if your business regularly buys inventory from international suppliers or requires frequent overseas travel due to the foreign transaction fees.