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Ink Business Preferred℠ Credit Card vs Capital One Spark Cash Select

Compare Rewards, Interest Rates, Fees, and Benefits

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Ink Business Preferred is an excellent credit card for the modern small business. How does it compare to Capital One Spark Cash Select, a cash back credit card? Read our comparison chart below.

Keep in mind, the Ink Business Preferred has a $95 annual fee, while the Capital One Spark Cash Select has a $0 annual fee.

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Ink Business Preferred℠ Credit Card

Capital One® Spark® Cash Select for Business

 

Credit Card Interest Rates & Fees

Introductory APR for PurchasesN/A0% introductory APR for 9 months
Purchase APR17.74% to 22.74% Variable based on your creditworthiness and other factors14.74% to 22.74% (Variable) based on your creditworthiness and other factors
Balance Transfers APR17.74% to 22.74% Variable based on your creditworthiness and other factors14.74% to 22.74% (Variable) based on your creditworthiness and other factors
Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater. No balance transfer fee
Foreign Transaction Fee$0No foreign transaction fee
Annual Fee$95 annual fee$0 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Cash Back Introductory Bonus Cash Back: Get a $200 cash bonus if you spend $3,000 on purchases within the first 3 months of account opening.
Introductory Bonus Reward PointsIntroductory Bonus Reward Points: Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards® 
Cash Back Rewards Cash Back Rewards: Earn 1.5% cash back on every purchase
Travel RewardsTravel Rewards: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
1:1 point transfer to leading airline and hotel loyalty programs
 
Airline RewardsAirline Rewards: 1:1 point transfer to leading airline and hotel loyalty programs 
Hotel RewardsHotel Rewards: 1:1 point transfer to leading airline and hotel loyalty programs 
Point RewardsPoint Rewards: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn. 
Airline Transfer PartnersAirline Transfer Partners: Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, and Aer Lingus. 
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • Earn 80,000 bonus points
  • Earn 3 points per $1 in select business categories
  • Protection benefits
  • Airline transfer partners
Cons:
  • $95 annual fee
  • No introductory APR
Bottom LineExcellent credit card for the modern small business... 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® Cash Select 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 Cash Select: 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 Ink Business Preferred or Business Gold Rewards Card.


Explore Ink Business Preferred℠ Credit Card In-Depth


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Compare Ink Business Preferred to:

Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
17.74% - 24.74% Variable
Annual Fee
$0 Intro for the First Year, then $95
American Express Business Platinum

The Business Platinum® Card from American Express OPEN

Introductory Bonus Reward PointsTravel RewardsAirline RewardsBonus Airline Rewards
Annual Fee
$450
SimplyCash Plus

SimplyCash® Plus Business Credit Card from American Express

Cash Back RewardsOffice RewardsCar Rental InsuranceExtended Warranty
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% on Purchases for 15 months
N/A
14.24% - 21.24% Variable
Annual Fee
No annual fee

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Compare Capital One Spark Cash Select to:


Introductory Bonus Cash BackCash Back Rewards$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
18.74% (Variable)
$0 intro for first year; $95 after that


Introductory Bonus Airline RewardsTravel RewardsAirline Rewards$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 9 months
N/A
14.74% - 22.74% (Variable)
$0

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



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.