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

Compare Rewards, Interest Rates, Fees, and Benefits

American Express is a CreditDonkey partner. We receive compensation if you apply and get approved for a card through links in our content. You do not have to use our links, but you help support CreditDonkey if you do. (read more)

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

Keep in mind, the American Express Business Platinum has a $450 annual fee, while the Capital One Spark Cash has a $0 intro annual fee for first year; $95 after that.

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

Capital One® Spark® Cash for Business

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

Card Interest Rates & Fees

Purchase APRN/A18.24% (Variable) based on your creditworthiness and other factors
Balance Transfers APRN/A18.24% (Variable) based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$450 annual fee$0 intro annual fee for first year; $95 after that
Terms Apply See Rates & Fees 
 

Card Rewards & Benefits

Introductory Bonus Cash Back Introductory Bonus Cash Back: Get a $500 cash bonus if you spend $4,500 on purchases within the first 3 months of account opening.
Introductory Bonus Reward PointsIntroductory Bonus Reward Points: Welcome 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 eligible purchases within your first 3 months of Card Membership.
 
Cash Back Rewards Cash Back Rewards: Earn 2% cash back on every purchase
Travel RewardsTravel Rewards 
Airline RewardsAirline Rewards: Get 5X Membership Rewards® points on flights on amextravel.com. 
Bonus Airline RewardsBonus Airline Rewards: 35% 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.
You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
 
Hotel RewardsHotel Rewards: Get 5X Membership Rewards® points on prepaid hotels on amextravel.com. 
Point RewardsPoint Rewards: Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year. 
Airline StatusAirline Status: Get 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 StatusHotel Status: Enroll for complimentary SPG Gold Status (Starwood Preferred Guest Gold Preferred Guest).
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.
 
DiscountDiscount: The OPEN Savings benefit is built into Business Cards from American Express OPEN and provides either a 5% discount or 2 additional Membership Rewards® points for each eligible dollar spent at OPEN Savings merchants. Terms and limitations apply. 
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® Card Reviews

Pros & ConsPros:
  • Welcome Bonus Offer
  • Airline Fee Credit
  • Global Lounge Collection
  • Concierge Service
Cons:
  • $450 annual fee
Bottom LineExcellent business charge card for frequent travelers... Read full review
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What Others View

    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 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: Pricing information including interest rates, rewards, benefits and fees was obtained on December 28, 2017 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 Ink Business Preferred.


    Explore The Business Platinum® Card from American Express OPEN In-Depth


    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

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

    The Business Gold Rewards Card from American Express OPEN

    Introductory Bonus Reward PointsPoint RewardsNo Expiration on RewardsNo Pre-Set Spending Limit
    Annual Fee
    $0 introductory annual fee for the first year, then $175
    American Express Plum Card

    The Plum Card® from American Express OPEN

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

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    Compare Capital One Spark Cash to:

    Ink Business Preferred
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    17.24% - 22.24% Variable
    $95


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