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Capital One Spark Miles vs Ink Business Preferred

Compare Rewards, Interest Rates, Fees, and Benefits

Capital One Spark Miles is a business and airline credit card. How does it compare to Ink Business Preferred from Chase? 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 Ink Business Preferred has a $95 annual fee.

 

Capital One® Spark® Miles for Business

Ink Business Preferred® Credit Card

 

Credit Card Interest Rates & Fees

Purchase APR18.49% (Variable) based on your creditworthiness and other factors17.49% to 22.49% Variable based on your creditworthiness and other factors
Balance Transfers APR18.49% (Variable) based on your creditworthiness and other factors17.49% to 22.49% 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 Airline RewardsEarn a one-time bonus of 50,000 miles 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.
Travel RewardsRedeem miles for travel, cash back, gift cards, and more. Fly on any airline, anytime, with no blackout dates or seat restrictions.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 RewardsEarn 2 miles per dollar on every purchase1:1 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
 Read Ink Business Preferred Review
What Others View

    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® Miles for Business and Ink Business Preferred® Credit Card 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 Miles: Pricing information including interest rates, rewards, benefits and fees was obtained on January 28, 2020 from published websites and is believed to be accurate, but not guaranteed.

    Ink Business Preferred: Pricing information including interest rates, benefits and fees was obtained on March 1, 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 Miles or Blue Business Cash.


    Articles on Ink Business Preferred® Credit Card


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    Compare Capital One Spark Miles to:

    Chase Sapphire Preferred
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    17.49% - 24.49% Variable
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    Compare Ink Business Preferred 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

    Chase Sapphire Reserve
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    18.49% - 25.49% Variable
    $550

    About CreditDonkey®
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