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Ink Business Preferred℠ Credit Card vs Capital One Spark Miles

Compare Rewards, Interest Rates, Fees, and Benefits

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

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

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Ink Business Preferred℠ Credit Card

Capital One® Spark® Miles for Business

 

Credit Card Interest Rates & Fees

Purchase APR17.74% to 22.74% Variable based on your creditworthiness and other factors18.74% (Variable) based on your creditworthiness and other factors
Balance Transfers APR17.74% to 22.74% Variable based on your creditworthiness and other factors18.74% (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 Airline Rewards Earn 50,000 bonus miles after you spend $5,000 on purchases within the first 3 months. Plus, earn 150,000 bonus miles after you spend $50,000 within the first 6 months.
Introductory Bonus OfferEarn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards® 
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
Redeem miles for travel, cash back, gift cards, and more. Fly on any airline, anytime, with no blackout dates or seat restrictions.
Airline Rewards1:1 point transfer to leading airline and hotel loyalty programsEarn 2 miles per dollar on every purchase
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 80,000 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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What Others View

    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® Miles 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 Miles: Pricing information including interest rates, rewards, benefits and fees was obtained on October 22, 2019 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
    17.74% - 24.74% 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
    18.74% - 25.74% Variable
    Annual Fee
    $450

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    Compare Capital One Spark Miles to:


    Introductory Bonus Cash BackCash Back Rewards$0 Fraud Liability
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    18.74% (Variable)
    $0 intro for first year; $95 after that


    Introductory Bonus Airline RewardsTravel RewardsAirline RewardsNo Expiration on RewardsNo Limits on RewardsConciergeExtended Warranty$0 Fraud Liability
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    17.49% - 24.74% (Variable)
    $0 intro for first year; $95 after that

    Disclaimer: The information for the Capital One® Spark® Cash for Business and Capital One® Venture® Rewards Credit Card 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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    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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    *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.