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Capital One Spark Miles vs Business Gold Card

Compare Rewards, Interest Rates, Fees, and Benefits

Capital One Spark Miles is a business and airline credit card. How does it compare to Business Gold Card from American Express? Read our comparison chart below.

Keep in mind, the Capital One Spark Miles has a $0 intro annual fee for first year; $95 after that, while the Business Gold Card has a $375 annual fee.

 

Capital One Spark Miles for Business

American Express® Business Gold Card

 

Credit Card Interest Rates & Fees

Purchase APR26.24% (Variable) based on your creditworthiness and other factors19.49% to 27.49% Variable based on your creditworthiness and other factors
Balance Transfers APR26.24% (Variable) based on your creditworthiness and other factorsN/A
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$0 intro annual fee for first year; $95 after that$375 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Airline RewardsEarn a one-time bonus of 50,000 miles after you spend $4,500 on purchases within the first 3 months. 
Introductory Bonus Offer Welcome 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 RewardsRedeem miles for travel, cash back, gift cards, and more. Fly on any airline, anytime, with no blackout dates or seat restrictions. 
Airline RewardsEarn 2 miles per dollar on every purchase 
Point Rewards Earn 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 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.

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 Miles for Business and American Express® Business Gold Card 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 Miles: Pricing information including interest rates, rewards, benefits and fees was obtained on September 29, 2023 from published websites and is believed to be accurate, but not guaranteed.

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.

Still need help deciding which business card is better? Read the in-depth reviews below. You may also be interested in comparing Capital One Spark Miles 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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