Capital One Spark Miles vs CitiBusiness / AAdvantage Platinum Select Mastercard: which one fits your business?
Side-by-side comparison of Capital One Spark Miles and CitiBusiness / AAdvantage Platinum Select Mastercard — 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 (7.7/10 vs 7.1/10).
| Scored on | Capital One Spark Miles | CitiBusiness / AAdvantage Platinum Select Mastercard |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 9 | 7 |
| Fees & pricing | 7 | 8 |
| Customer support | 6 | 5 |
| Features | 8 | 7 |
| Annual Fee | $0 intro; $95 thereafter | $99 (waived first year) |
| Foreign Transaction Fee | None | $0 |
| Purchase APR | 25.99% (Variable) | 21.24% - 29.24% (Variable) |
| Late Payment Fee | Up to $39 | — |
| Transfer Fee | None | — |
| Employee Cards | — | $0 |
Capital One Spark Miles in one paragraph
A reliable, high-floor rewards engine for owners who want to earn 2x travel miles on every dollar without managing categories.
Skip it if: Skip it if you carry high monthly balances that could damage your personal credit score due to Capital One's reporting practices.
CitiBusiness / AAdvantage Platinum Select Mastercard in one paragraph
A solid, cost-effective tool for AA-loyal small businesses that pays for itself through waived bag fees and a low annual cost.
Skip it if: Skip it if your business spending is mostly digital (SaaS, Ads) rather than legacy utilities and travel.
Read the full CitiBusiness / AAdvantage Platinum Select Mastercard review
Frequently asked questions
Which is better, Capital One Spark Miles or CitiBusiness / AAdvantage Platinum Select Mastercard?
On our five-axis scorecard, Capital One Spark Miles scores higher (7.7/10 vs 7.1/10). A reliable, high-floor rewards engine for owners who want to earn 2x travel miles on every dollar without managing categories.
Who should skip Capital One Spark Miles?
Skip it if you carry high monthly balances that could damage your personal credit score due to Capital One's reporting practices.
Who should skip CitiBusiness / AAdvantage Platinum Select Mastercard?
Skip it if your business spending is mostly digital (SaaS, Ads) rather than legacy utilities and travel.