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Capital One Spark Cash Select vs American Express Business Platinum

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)

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

Keep in mind, the Capital One Spark Cash Select has a $0 annual fee, while the American Express Business Platinum has a $450 annual fee.

Charge Card vs Credit Card: Capital One® Spark® Cash Select for Business is a credit card while The Business Platinum® Card from American Express OPEN is a charge card. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

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

	Business Credit Card	Business Charge Card

	Card Interest Rates & Fees
Introductory APR for Purchases	0% introductory APR for 9 months	N/A
Purchase APR	14.74% to 22.74% (Variable) based on your creditworthiness and other factors	N/A
Balance Transfers APR	14.74% to 22.74% (Variable) based on your creditworthiness and other factors	N/A
Foreign Transaction Fee	No foreign transaction fee	No foreign transaction fee
Annual Fee	$0 annual fee	$450 annual fee
		Terms Apply. See Rates & Fees
	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 Points		Introductory 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 qualifying purchases within your first 3 months of Card Membership.†
Cash Back Rewards	Cash Back Rewards: Earn 1.5% cash back on every purchase
Travel Rewards		Travel Rewards
Airline Rewards		Airline Rewards: Get 5X Membership Rewards® points on flights on amextravel.com.
Bonus Airline Rewards		Bonus 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 Rewards		Hotel Rewards: Get 5X Membership Rewards® points on prepaid hotels on amextravel.com.
Point Rewards		Point 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 Status		Airline 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 Status		Hotel 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.
Airline Transfer Partners		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.
	CreditDonkey® Card Reviews
Pros & Cons		Pros: Welcome Bonus Offer Airline Fee Credit Global Lounge Collection Concierge Service Cons: $450 annual fee
Bottom Line		Excellent business charge card for frequent travelers... Read full review

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 Capital One Spark Cash Select or Ink Business Preferred.

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

AMEX Business Platinum Review

The Business Platinum® Card from American Express OPEN offers travel-friendly benefits – including Global Lounge Collection, Airline Fee Credit, and Platinum Concierge Service. But with so many cards boasting no annual fee, why would anyone want to pay $450 to use this card each year?

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.

Compare Capital One Spark Cash Select to:

Capital One® Spark® Cash for Business

Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
N/A	N/A	18.74% (Variable)	$0 intro for first year; $95 after that

Capital One® Spark® Miles Select for Business

Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual 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.

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