Capital One Spark Miles vs Hilton Honors American Express Business Card: which one fits your business?
Side-by-side comparison of Capital One Spark Miles and Hilton Honors American Express Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: it's a tie on our scorecard — pick on fit, not score.
| Scored on | Capital One Spark Miles | Hilton Honors American Express Business Card |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 9 | 8 |
| Fees & pricing | 7 | 7 |
| Customer support | 6 | 7 |
| Features | 8 | 8 |
| Annual Fee | $0 intro; $95 thereafter | $195 |
| Foreign Transaction Fee | None | $0 |
| Purchase APR | 25.99% (Variable) | 20.99% - 29.99% Variable |
| Late Payment Fee | Up to $39 | Up to $40 |
| Transfer Fee | None | — |
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.
Hilton Honors American Express Business Card in one paragraph
A powerhouse for businesses with high miscellaneous spend who want to turn their overhead into luxury Hilton stays.
Skip it if: You prefer staying at boutique hotels or Marriott properties and don't want to be locked into one brand.
Read the full Hilton Honors American Express Business Card review
Frequently asked questions
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 Hilton Honors American Express Business Card?
You prefer staying at boutique hotels or Marriott properties and don't want to be locked into one brand.