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Business Gold Card vs Capital One Spark Miles Select

Compare Rewards, Interest Rates, Fees, and Benefits

Business Gold Card is a business credit card. How does it compare to Capital One Spark Miles Select, an airline card? Read our comparison chart below.

Keep in mind, the Business Gold Card has a $375 annual fee, while the Capital One Spark Miles Select has a $0 annual fee.

 

American Express® Business Gold Card

Spark Miles Select from Capital One

 

Credit Card Interest Rates & Fees

Purchase APR19.49% to 28.49% Variable based on your creditworthiness and other factors17.99% to 23.99% (Variable) based on your creditworthiness and other factors
Balance Transfers APRN/A17.99% to 23.99% (Variable) based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$375 annual fee$0 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Airline Rewards Get a 20,000 miles bonus if you spend $3,000 on purchases within the first 3 months of account opening.
Introductory Bonus OfferWelcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms Apply. 
Travel Rewards Redeem miles for travel, cash back, gift cards, and more. Fly on any airline, anytime, with no blackout dates or seat restrictions.
Airline Rewards Earn 1.5 miles per dollar on every purchase. You can fly on any airline, anytime, with no blackout dates or seat restrictions.
Point RewardsEarn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. 
Airline Transfer PartnersAirline 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. 

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 American Express® Business Gold Card and Spark Miles Select from Capital One has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Business Gold Card: Pricing information including interest rates, benefits and fees was obtained on February 1, 2024 from published websites and is believed to be accurate, but not guaranteed.

Capital One Spark Miles Select: Pricing information including interest rates, rewards, benefits and fees was obtained on June 29, 2023 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 Cash.


Which Do You Like and Why?





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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 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.

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