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American Express® Business Gold Card vs Capital One Spark Classic

Compare Rewards, Interest Rates, Fees, and Benefits

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Business Gold Card is a good rewards card for established business owners. 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 Card has a $295 annual fee, while the Capital One Spark Classic has a $0 annual fee.

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American Express® Business Gold Card

Capital One® Spark® Classic for Business

 
Bonus Airline RewardsPoint RewardsNo Expiration on RewardsNo Pre-Set Spending LimitEvents
Cash Back Rewards$0 Fraud Liability
 

Credit Card Interest Rates & Fees

Purchase APR16.24% to 24.24% Variable based on your creditworthiness and other factors24.74% (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$295 annual fee$0 annual fee
Terms Apply. See Rates & Fees 
 

Credit Card Rewards & Benefits

Cash Back Rewards Cash Back Rewards: Earn 1% cash back on every purchase
Bonus Airline RewardsBonus Airline Rewards: Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.* 
Point RewardsPoint Rewards: More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month †
4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
 
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® Credit Card Reviews

Pros & ConsPros:
  • Rewards
Cons:
  • $295 annual fee
  • Requires excellent credit
Bottom LineGood rewards card for established business owners... 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 Card or Ink Business Preferred.


Articles on American Express® Business Gold Card


Compare Business Gold 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 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.