Capital One Spark Miles vs Southwest Rapid Rewards Performance Business Credit Card: which one fits your business?
Side-by-side comparison of Capital One Spark Miles and Southwest Rapid Rewards Performance Business Credit Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Southwest Rapid Rewards Performance Business Credit Card wins on our scorecard (8/10 vs 7.7/10).
| Scored on | Capital One Spark Miles | Southwest Rapid Rewards Performance Business Credit Card |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 9 | 8 |
| Fees & pricing | 7 | 7 |
| Customer support | 6 | 7 |
| Features | 8 | 9 |
| Annual Fee | $0 intro; $95 thereafter | $199 |
| Foreign Transaction Fee | None | $0 |
| Purchase APR | 25.99% (Variable) | — |
| Late Payment Fee | Up to $39 | — |
| Transfer Fee | None | — |
| Employee Cards | — | $0 |
| Late Payment | — | Up to $40 |
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.
Southwest Rapid Rewards Performance Business Credit Card in one paragraph
The ultimate domestic travel tool for business owners who spend heavily on digital ads and want to fly a partner for free via the Companion Pass.
Skip it if: You primarily fly international routes or your business spend is mostly at physical retail stores rather than online services.
Read the full Southwest Rapid Rewards Performance Business Credit Card review
Frequently asked questions
Which is better, Capital One Spark Miles or Southwest Rapid Rewards Performance Business Credit Card?
On our five-axis scorecard, Southwest Rapid Rewards Performance Business Credit Card scores higher (8/10 vs 7.7/10). The ultimate domestic travel tool for business owners who spend heavily on digital ads and want to fly a partner for free via the Companion Pass.
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 Southwest Rapid Rewards Performance Business Credit Card?
You primarily fly international routes or your business spend is mostly at physical retail stores rather than online services.