Capital One Spark Miles vs Chase Sapphire Preferred® Card

Compare Rewards, Interest Rates, Fees, and Benefits

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Capital One Spark Miles is a business and airline credit card. How does it compare to Chase Sapphire Preferred, a travel, airline, points and restaurant card? Read our comparison chart below.

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

	Capital One Spark Miles for Business	Chase Sapphire Preferred® Card

	Credit Card Interest Rates & Fees
Purchase APR	26.24% (Variable) based on your creditworthiness and other factors	21.49% to 28.49% Variable based on your creditworthiness and other factors
Balance Transfers APR	26.24% (Variable) based on your creditworthiness and other factors	21.49% to 28.49% Variable based on your creditworthiness and other factors
Balance Transfer Fee	No balance transfer fee	Either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign Transaction Fee	No 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 Airline Rewards	Earn a one-time bonus of 50,000 miles after you spend $4,500 on purchases within the first 3 months.
Introductory Bonus Offer		Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
Travel Rewards	Redeem miles for travel, cash back, gift cards, and more. Fly on any airline, anytime, with no blackout dates or seat restrictions.	Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Airline Rewards	Earn 2 miles per dollar on every purchase	1:1 point transfer to leading airline and hotel loyalty programs
Bonus Hotel Rewards		$50 Annual Chase Travel Hotel Credit
Hotel Rewards		1:1 point transfer to leading airline and hotel loyalty programs
Point Rewards		Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Dining Rewards		3X points on dining
Airline Transfer Partners		Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.
	CreditDonkey® Credit Card Reviews
Pros & Cons		Pros: Generous bonus points Flexible travel rewards Travel, purchase and security protection $0 Foreign Transaction Fee Cons: $95 annual fee No intro APR
Bottom Line		High-earning rewards card for those with excellent credit... Read full review

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Still need help deciding which airline credit card is better? Read the in-depth reviews below. You may also be interested in comparing Capital One Spark Miles or Ink Business Preferred.