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The Business Platinum® Card from American Express vs Capital One Spark Cash Select

Compare Rewards, Interest Rates, Fees, and Benefits

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American Express Business Platinum is an excellent business charge card for frequent travelers. How does it compare to Capital One Spark Cash Select, a cash back credit card? Read our comparison chart below.

Charge Card vs Credit Card: The Business Platinum® Card from American Express is a charge card while Capital One® Spark® Cash Select 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 Platinum® Card from American Express

Capital One® Spark® Cash Select for Business

 Business Charge CardBusiness Credit Card
 
Introductory Bonus OfferTravel RewardsAirline RewardsBonus Airline RewardsHotel Rewards
Introductory Bonus Cash BackCash Back Rewards$0 Fraud Liability
 

Card Interest Rates & Fees

Introductory APR for PurchasesN/A0% introductory APR for 9 months
Purchase APRN/A14.74% to 22.74% (Variable) based on your creditworthiness and other factors
Balance Transfers APRN/A14.74% to 22.74% (Variable) based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$595 annual fee$0 annual fee
Terms Apply. See Rates & Fees 
 

Card Rewards & Benefits

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 OfferWelcome Offer: Earn up to 75,000 Membership Rewards® points.
Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases made on your Business Platinum Card® within your first 3 months of Card Membership.†
 
Cash Back Rewards Earn 1.5% cash back on every purchase
Travel RewardsTravel Rewards 
Airline RewardsGet 5X Membership Rewards® points on flights on amextravel.com. 
Bonus Airline Rewards35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when flight is booked on amextravel.com. 
Hotel RewardsGet 5X Membership Rewards® points on prepaid hotels on amextravel.com. 
Point RewardsGet 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year. 
Airline StatusGet up to $200 in statement credits per calendar year on a selected airline for incidentals such as baggage fees, lounge day passes, and more.
Access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass(TM) Select, and Airspace Lounge. Enrollment required for Priority Pass Select.
 
Hotel StatusEnroll for complimentary Marriott Bonvoy Gold Status.
Enroll for complimentary Hilton Honors Gold Status.
Fine Hotels & Resorts - book your stay through American Express FHR at one of 600 luxury hotels and you may get a room upgrade upon arrival, daily continental breakfast for 2, guaranteed 4pm late checkout and a special amenity unique to each property.
 
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. 
 

CreditDonkey® Card Reviews

Pros & ConsPros:
  • Welcome Bonus Offer
  • Airline Fee Credit
  • Global Lounge Collection
  • Concierge Service
Cons:
  • $595 annual fee
Bottom LineExcellent business charge card for frequent travelers... 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 October 1, 2019 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 American Express Business Platinum or Blue Business Cash.


Articles on The Business Platinum® Card from American Express


Comments

  • Steve from Indiana
    on October 22, 2016 9:06 AM said about American Express Business Platinum:

    Hands down American Express if you really use it a lot!
    They keep on making it much better!

    I was not a big fan before because I didn't use it much!
    Once you start really using it in all ways possible it works even harder and better!
    I love it!

Comments may be filtered for language. CreditDonkey makes no guarantee of comments' factual accuracy. These responses are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Visitors may report inappropriate content by clicking the Contact Us link.

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Compare American Express Business Platinum to:

American Express Platinum

The Platinum Card® from American Express

Introductory Bonus OfferTravel RewardsAirline RewardsHotel Rewards
Annual Fee
$550
Business Gold Card

American Express® Business Gold Card

Introductory Bonus OfferBonus Airline RewardsPoint RewardsNo Expiration on Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
15.74% - 23.74% Variable
Annual Fee
$295
American Express Plum Card

The Plum Card® from American Express

No Pre-Set Spending LimitCar Rental InsuranceExtended WarrantyPurchase Protection
Annual Fee
$0 introductory annual fee for the first year, then $250

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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.