Capital One Spark Miles vs Citizens Bank Business Platinum Mastercard: which one fits your business?
Side-by-side comparison of Capital One Spark Miles and Citizens Bank Business Platinum 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 (8/10 vs 6.3/10).
| Scored on | Capital One Spark Miles | Citizens Bank Business Platinum Mastercard |
|---|---|---|
| Right fit for small biz | 7 | 6 |
| Ease of use | 9 | 7 |
| Fees & pricing | 10 | 9 |
| Customer support | 6 | 5 |
| Features | 7 | 4 |
| Annual Fee | $0 | $0 |
| Foreign Transaction Fee | None | 3% |
| Purchase APR | 20.99% - 28.99% Variable | — |
| Late Payment Fee | Up to $39 | Up to $40 |
| Intro Purchase 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.
Citizens Bank Business Platinum Mastercard in one paragraph
A utilitarian tool for zero-interest financing that lacks the rewards needed to be a primary business spender.
Skip it if: You want to earn cash back or travel points on your daily business expenses.
Read the full Citizens Bank Business Platinum Mastercard review
Frequently asked questions
Which is better, Capital One Spark Miles or Citizens Bank Business Platinum Mastercard?
On our five-axis scorecard, Capital One Spark Miles scores higher (8/10 vs 6.3/10). 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 Citizens Bank Business Platinum Mastercard?
You want to earn cash back or travel points on your daily business expenses.