Capital One Spark Miles vs IHG One Rewards Premier Business Credit Card: which one fits your business?
Side-by-side comparison of Capital One Spark Miles and IHG One Rewards Premier Business Credit Card — 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 7.8/10).
| Scored on | Capital One Spark Miles | IHG One Rewards Premier Business Credit Card |
|---|---|---|
| Right fit for small biz | 7 | 8 |
| Ease of use | 9 | 7 |
| Fees & pricing | 10 | 8 |
| Customer support | 6 | 6 |
| Features | 7 | 9 |
| Annual Fee | $0 | $99 |
| Foreign Transaction Fee | None | $0 |
| Purchase APR | 20.99% - 28.99% Variable | 21.49% - 28.49% Variable |
| Late Payment Fee | Up to $39 | Up to $40 |
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.
IHG One Rewards Premier Business Credit Card in one paragraph
A high-value travel tool that pays for itself through a single free night, despite Chase's strict application rules.
Skip it if: You don't stay at IHG properties at least twice a year or you have already opened 5+ cards in the last two years.
Read the full IHG One Rewards Premier Business Credit Card review
Frequently asked questions
Which is better, Capital One Spark Miles or IHG One Rewards Premier Business Credit Card?
On our five-axis scorecard, Capital One Spark Miles scores higher (8/10 vs 7.8/10). 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 IHG One Rewards Premier Business Credit Card?
You don't stay at IHG properties at least twice a year or you have already opened 5+ cards in the last two years.