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Business Gold Rewards Card vs Capital One Spark Classic

Compare Rewards, Interest Rates, Fees, and Benefits

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Business Gold Rewards Card is a good rewards card for established business owners who do not plan to carry a balance. How does it compare to Capital One Spark Classic, a Fair Credit credit card? Read our comparison chart below.

Keep in mind, the Business Gold Rewards Card has a $0 introductory annual fee for the first year, then $175, while the Capital One Spark Classic has a $0 annual fee.

Charge Card vs Credit Card: The Business Gold Rewards Card from American Express OPEN is a charge card while Capital One® Spark® Classic for Business is a credit card. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

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The Business Gold Rewards Card from American Express OPEN

Capital One® Spark® Classic for Business

 Business Charge CardBusiness Credit Card
 
Introductory Bonus Reward PointsPoint RewardsNo Expiration on RewardsNo Pre-Set Spending LimitEvents
Cash Back Rewards$0 Fraud Liability
 

Card Interest Rates & Fees

Purchase APRN/A24.74% (Variable) based on your creditworthiness and other factors
Balance Transfers APRN/A24.74% (Variable) based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$0 introductory annual fee for the first year, then $175$0 annual fee
Terms Apply. See Rates & Fees 
 

Card Rewards & Benefits

Introductory Bonus Reward PointsIntroductory Bonus Reward Points: Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership 
Cash Back Rewards Cash Back Rewards: Earn 1% cash back on every purchase
Point RewardsPoint Rewards: Get 3x points - Choose 1 out of 5 categories. 2X points on the 4 remaining categories and 1X points on other purchases. 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter 
Airline Transfer PartnersAirline Transfer Partners: Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more. 
 

CreditDonkey® Card Reviews

Pros & ConsPros:
  • Rewards
  • $0 introductory annual fee for first year
Cons:
  • $175 annual fee
  • Requires excellent credit
Bottom LineGood rewards card for established business owners who do not plan to carry a balance... Read full review
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See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Disclaimer: The information for the Capital One® Spark® Classic for Business has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Capital One Spark Classic: Pricing information including interest rates, rewards, benefits and fees was obtained on June 28, 2018 from published websites and is believed to be accurate, but not guaranteed.

Still need help deciding which business card is better? Read the in-depth reviews below. You may also be interested in comparing Business Gold Rewards Card or Ink Business Preferred.


Explore The Business Gold Rewards Card from American Express OPEN In-Depth


Compare Business Gold Rewards Card to:

American Express Business Platinum
Introductory Bonus Reward PointsTravel RewardsAirline RewardsBonus Airline RewardsHotel RewardsPoint RewardsNo Limits on RewardsNo Pre-Set Spending LimitConcierge Car Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionBaggage InsuranceTravel Accident Insurance$0 Fraud LiabilityEmergency Card ReplacementIdentity Theft Assistance Roadside Assistance
Card TypeAnnual Fee
Business Charge Card
$450

Business Green Rewards Card
Introductory Bonus Reward PointsPoint RewardsNo Limits on RewardsNo Pre-Set Spending LimitCar Rental InsuranceExtended WarrantyPurchase ProtectionBaggage InsuranceTravel Accident Insurance
Card TypeAnnual Fee
Business Charge Card
$0 introductory annual fee for the first year, then $95

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About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.