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Capital One Spark Cash vs Capital One Spark Miles for Business
This comparison aims to help you decide between the Capital One Spark Cash and the Capital One Spark Miles for Business. Both cards cater to business owners, but they offer different rewards and benefits tailored to various spending habits and preferences.
Card Overviews
Capital One Spark Cash
The Capital One Spark Cash is designed for businesses that prefer straightforward cash back rewards. This card allows you to earn 2% cash back on every purchase, making it ideal for those who want simplicity and reliability in their cash rewards program.
Capital One Spark Miles for Business
The Capital One Spark Miles for Business focuses on travel rewards, allowing users to earn miles that can be redeemed for travel expenses. It's tailored for businesses that frequently travel or wish to earn rewards for travel-related purchases.
Detailed Feature Comparison
| Feature | Capital One Spark Cash | Capital One Spark Miles for Business |
|---|---|---|
| Annual Fee | $0 intro for first year; $95 after that | $0 intro for first year; $95 after that |
| Welcome Bonus | Earn $750 cash back once you spend $7,500 in the first 3 months | Earn 50,000 miles (equal to $500 in travel) once you spend $4,500 in the first 3 months |
| Rewards Structure | 2% cash back on every purchase | 2 miles per $1 on every purchase |
| Foreign Transaction Fee | No foreign transaction fees | No foreign transaction fees |
| Other Fees | No additional fees listed | No additional fees listed |
| Additional Benefits | Free employee cards; rewards won’t expire | Free employee cards; transfer miles to 15+ loyalty programs |
Rewards Highlights
Capital One Spark Cash Rewards
- Earn $750 cash back once you spend $7,500 in the first 3 months from account opening
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 2% cash back on every purchase
Capital One Spark Miles for Business Rewards
- 2 miles per $1 on every purchase, everywhere
- 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One's travel booking site
Pros and Cons
Capital One Spark Cash Pros and Cons
- Pros:
- Simple cash back structure
- High cash back rate on all purchases
- No foreign transaction fees
- Cons:
- Less valuable for frequent travelers
- Requires high spending to maximize welcome bonus
Capital One Spark Miles for Business Pros and Cons
- Pros:
- Great for travel rewards
- 5X miles on travel bookings through Capital One
- Transfer options to various travel loyalty programs
- Cons:
- Less straightforward than cash back
- Requires spending on travel for maximum benefit
Who Should Consider Which Card?
- Capital One Spark Cash: Ideal for business owners who prefer cash back rewards and want a straightforward earning structure without worrying about categories.
- Capital One Spark Miles for Business: Best for frequent travelers who want to maximize their rewards on travel-related expenses and appreciate the flexibility of transferring miles to various airlines or hotel programs.
Conclusion
In conclusion, both the Capital One Spark Cash and the Capital One Spark Miles for Business offer unique benefits that cater to different business needs. Consider your individual spending habits and financial goals to choose the card that best suits your lifestyle.