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Capital One Spark Cash vs Ink Business Preferred® Credit Card

Compare Rewards, Interest Rates, Fees, and Benefits

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Capital One Spark Cash is a business and cash back credit card. How does it compare to Ink Business Preferred from Chase? Read our comparison chart below.

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

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Capital One® Spark® Cash for Business

Ink Business Preferred® Credit Card

 

Credit Card Interest Rates & Fees

Purchase APR20.99% (Variable) based on your creditworthiness and other factors15.99% to 20.99% Variable based on your creditworthiness and other factors
Balance Transfers APR20.99% (Variable) based on your creditworthiness and other factors15.99% to 20.99% Variable based on your creditworthiness and other factors
Balance Transfer FeeNo balance transfer feeEither $5 or 5% of the amount of each transfer, whichever is greater.
Foreign Transaction FeeNo foreign transaction fee$0
Annual Fee$0 intro annual fee for first year; $95 after that$95 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Cash BackEarn a one-time $500 cash bonus after you spend $4,500 on purchases within the first 3 months. 
Introductory Bonus Offer New Offer! Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.
Cash Back RewardsEarn 2% cash back on every purchase 
Travel 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 Rewards 1:1 point transfer to leading airline and hotel loyalty programs
Hotel Rewards 1:1 point transfer to leading airline and hotel loyalty programs
Point 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 Partners Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • Earn 100,000 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 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 April 2, 2020 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 or Ink Business Cash.


Articles on Ink Business Preferred® Credit Card


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Compare Capital One Spark Cash to:

American Express Platinum
Introductory Bonus OfferTravel RewardsAirline RewardsHotel RewardsPoint RewardsNo Pre-Set Spending LimitConciergeEventsCar Rental Insurance Extended WarrantyPurchase ProtectionReturn Protection$0 Fraud LiabilityIdentity Theft Assistance
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/ASee Pay Over Time APR
$550

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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
15.99% - 22.99% Variable
Annual Fee
$95
Ink Business Cash

Ink Business Cash℠ Credit Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% for 12 months
N/A
13.24% - 19.24% Variable
Annual Fee
$0
Chase Sapphire Reserve

Chase Sapphire Reserve®

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
16.99% - 23.99% Variable
Annual Fee
$550

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 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.

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