Comparison of Capital One Spark Cash Plus vs Ink Business Premier® Credit Card

This comparison aims to help users decide between the Capital One Spark Cash Plus and the Ink Business Premier® Credit Card. Both cards cater to business owners, but they have distinct features that may appeal to different spending habits and financial goals.

Card Overviews

Capital One Spark Cash Plus

The Capital One Spark Cash Plus is designed for businesses that require large spending capacity and want to maximize their cash back rewards. With no preset spending limit and a robust rewards structure, it offers flexibility and significant earning potential.

Ink Business Premier® Credit Card

The Ink Business Premier® Credit Card is ideal for businesses that make substantial purchases. It offers competitive cash back rewards, including a unique 2.5% cash back on larger purchases, alongside valuable travel benefits and purchase protections.

Detailed Feature Comparison

Rewards Highlights

Capital One Spark Cash Plus

• Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
• Earn an additional $2,000 cash bonus for every $500K spent during the first year
• Unlimited 2% cash back on every purchase
• Unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site

Ink Business Premier® Credit Card

• Earn $1,000 bonus cash back after you spend $10,000 in the first 3 months
• Unlimited 2.5% cash back on purchases of $5,000 or more
• Unlimited 2% cash back on all other business purchases
• Unlimited 5% cash back on travel purchased through Chase Travel℠

Pros and Cons

Capital One Spark Cash Plus

• Pros:
• High cash back rate on all purchases
• No preset spending limit
• Potential to earn additional bonuses with high spending
• No foreign transaction fees

• Cons:
• Higher minimum spending requirement for the bonus
• Annual fee, although it can be refunded with sufficient spending

Ink Business Premier® Credit Card

• Pros:
• Strong cash back on large purchases
• Variety of purchase protections and travel benefits
• No foreign transaction fees
• Flexible payment options for qualifying purchases

• Cons:
• Higher annual fee
• Lower welcome bonus compared to Capital One card

Who Should Consider Which Card?

The Capital One Spark Cash Plus is ideal for businesses that have substantial monthly expenses and can consistently meet the higher spending thresholds to maximize rewards. It is particularly beneficial for those looking for a straightforward cash back structure without category limitations.

The Ink Business Premier® Credit Card suits businesses that frequently make large purchases and want to take advantage of travel-related rewards and protections. It may also appeal to those who value the additional purchase protections and digital tools for monitoring expenses.

Conclusion

In summary, both the Capital One Spark Cash Plus and the Ink Business Premier® Credit Card offer unique benefits tailored to different business needs. Users should evaluate their spending habits and financial goals to choose the card that best aligns with their business strategies.

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”