Capital One Spark Miles vs Ink Business Premier Credit Card: which one fits your business?
Side-by-side comparison of Capital One Spark Miles and Ink Business Premier 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 7.6/10).
| Scored on | Capital One Spark Miles | Ink Business Premier Credit Card |
|---|---|---|
| Right fit for small biz | 7 | 8 |
| Ease of use | 9 | 9 |
| Fees & pricing | 10 | 6 |
| Customer support | 6 | 7 |
| Features | 7 | 8 |
| Annual Fee | $0 | $195 |
| Foreign Transaction Fee | None | $0 |
| Purchase APR | 20.99% - 28.99% Variable | 19.49% - 27.49% (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.
Ink Business Premier Credit Card in one paragraph
A high-octane cash-back engine for businesses spending $5,000+ per transaction, marred only by its inability to transfer points to travel partners.
Skip it if: Skip it if you want to transfer points to airlines or if your average transaction size is under $5,000.
Frequently asked questions
Which is better, Capital One Spark Miles or Ink Business Premier Credit Card?
On our five-axis scorecard, Capital One Spark Miles scores higher (8/10 vs 7.6/10). 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 Ink Business Premier Credit Card?
Skip it if you want to transfer points to airlines or if your average transaction size is under $5,000.