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Ink Business Preferred vs Capital One Spark Cash

Compare Rewards, Interest Rates, Fees, and Benefits

Ink Business Preferred is an excellent credit card for the modern small business. How does it compare to Capital One Spark Cash, a cash back credit card? Read our comparison chart below.

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

 

Ink Business Preferred® Credit Card

Capital One® Spark® Cash for Business

 

Credit Card Interest Rates & Fees

Purchase APR15.99% to 20.99% Variable based on your creditworthiness and other factors20.99% (Variable) based on your creditworthiness and other factors
Balance Transfers APR15.99% to 20.99% Variable based on your creditworthiness and other factors20.99% (Variable) based on your creditworthiness and other factors
Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater. No balance transfer fee
Foreign Transaction Fee$0No foreign transaction fee
Annual Fee$95 annual fee$0 intro annual fee for first year; $95 after that
 

Credit Card Rewards & Benefits

Introductory Bonus Cash Back Earn a one-time $500 cash bonus after you spend $4,500 on purchases within the first 3 months.
Introductory Bonus OfferNew Offer! Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. 
Cash Back Rewards Earn 2% cash back on every purchase
Travel RewardsEarn 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 Rewards1:1 point transfer to leading airline and hotel loyalty programs 
Hotel Rewards1:1 point transfer to leading airline and hotel loyalty programs 
Point RewardsEarn 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 PartnersChase 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 Ink Business Preferred® Credit Card and 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.

    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.

    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 Ink Business Preferred or Blue Business Cash.


    Articles on Ink Business Preferred® Credit Card


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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
    American Express Business Platinum

    The Business Platinum Card® from American Express

    Introductory Bonus OfferTravel RewardsAirline RewardsBonus Airline Rewards
    Annual Fee
    $595
    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

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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/AN/A
    $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.

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