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Capital One Spark Cash Plus vs Ink Business Cash® Credit Card

Compare Rewards, Interest Rates, Fees, and Benefits

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

Keep in mind, the Capital One Spark Cash Plus has a $150 annual fee, while the Ink Business Cash has a $0 annual fee.

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Capital One Spark Cash Plus

Ink Business Cash® Credit Card

 

Card Interest Rates & Fees

Introductory APR for PurchasesN/A0% introductory APR for 12 months
Purchase APRN/A17.74% to 25.74% Variable based on your creditworthiness and other factors
Balance Transfers APRN/A17.74% to 25.74% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction fee3% of each transaction in U.S. dollars
Annual Fee$150 annual fee$0 annual fee
 

Card Rewards & Benefits

Introductory Bonus Cash BackEarn a $2,000 cash bonus when you spend $30,000 in the first 3 months.Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
Cash Back RewardsEarn 2% cash back on every purchaseEarn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
Earn 1% cash back on all other purchases.
Bonus Cash BackEarn an annual $200 cash bonus every year you spend $200,000 or more. 
Gas Rewards Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
Dining Rewards Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
 

CreditDonkey® Card Reviews

Pros & ConsPros:
  • Earn bonus cash back
  • Gas and dining rewards
Cons:
  • 2% cash back on gas and dining only on first $25,000
  • Foreign transaction fee
Bottom LineExcellent cash back rewards card for 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 Plus 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 Plus: Pricing information including interest rates, rewards, benefits and fees was obtained on August 14, 2024 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 Plus or Ink Business Preferred.


Articles on Ink Business Cash® Credit Card

Chase Ink Business Cash Review

Read this in-depth Ink Business Cash® review before you apply. With no annual fee, small business owners can earn cash rewards fast, but is it right for you?

Which Do You Like and Why?





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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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