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American Express® Business Gold Card vs Capital One Spark Cash Select

Compare Rewards, Interest Rates, Fees, and Benefits

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Business Gold Card is a good rewards card for established business owners. How does it compare to Capital One Spark Cash Select, a cash back credit card? Read our comparison chart below.

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American Express® Business Gold Card

Capital One® Spark® Cash Select for Business

 
Introductory Bonus OfferBonus Airline RewardsPoint RewardsNo Expiration on RewardsNo Pre-Set Spending Limit
Introductory Bonus Cash BackCash Back Rewards$0 Fraud Liability
 

Credit Card Interest Rates & Fees

Introductory APR for PurchasesN/A0% introductory APR for 9 months
Purchase APR15.74% to 23.74% Variable based on your creditworthiness and other factors14.74% 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$295 annual fee$0 annual fee
Terms Apply. See Rates & Fees 
 

Credit 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 OfferEarn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* 
Cash Back Rewards Earn 1.5% cash back on every purchase
Bonus Airline RewardsAirline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.* 
Point RewardsMore Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
 
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® Credit Card Reviews

Pros & ConsPros:
  • Rewards
Cons:
  • $295 annual fee
  • Requires excellent credit
Bottom LineGood rewards card for established business owners... 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 Business Gold Card or Blue Business Cash.


Articles on American Express® Business Gold Card


Which Do You Like and Why?

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Compare Business Gold Card to:

American Express Business Platinum
Introductory Bonus OfferTravel RewardsAirline RewardsBonus Airline RewardsHotel RewardsPoint RewardsNo Limits on RewardsNo Pre-Set Spending LimitConcierge Car Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionBaggage Insurance$0 Fraud LiabilityEmergency Card ReplacementIdentity Theft AssistanceRoadside Assistance
Card TypeAnnual Fee
Business Charge Card
$595

Business Green Rewards Card
Introductory Bonus OfferPoint RewardsNo Limits on RewardsNo Pre-Set Spending LimitCar Rental InsuranceExtended WarrantyPurchase ProtectionBaggage Insurance
Card TypeAnnual Fee
Business Charge Card
$0 introductory annual fee for the first year, then $95

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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.