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Capital One Spark Miles for Business vs Ink Business Premier® Credit Card
This comparison aims to help you decide between the Capital One Spark Miles for Business and the Ink Business Premier® Credit Card. Both cards cater to business owners, but they offer different features and benefits that may appeal to different spending habits and preferences.
Card Overviews
Capital One Spark Miles for Business
The Capital One Spark Miles for Business is designed for business owners who travel frequently and want to earn airline miles. With no restrictions on where you can earn miles, this card is ideal for those looking to maximize their travel rewards.
Ink Business Premier® Credit Card
The Ink Business Premier® Credit Card from Chase is tailored for businesses that appreciate cash back rewards, especially on larger purchases. With significant rewards for travel booked through Chase and a strong cash back structure, this card supports businesses that make substantial expenditures.
Detailed Feature Comparison
| Feature | Capital One Spark Miles for Business | Ink Business Premier® Credit Card |
|---|---|---|
| Annual Fee | $0 intro for first year; $95 after that | $195 |
| Welcome Bonus | Earn 50,000 miles after spending $4,500 in the first 3 months | Earn $1,000 cash back after spending $10,000 in the first 3 months |
| Rewards Structure | Unlimited 2X miles on every purchase; 5X miles on travel booked through Capital One | 2.5% cash back on purchases of $5,000 or more; 2% on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | No additional fees for employee cards | No additional fees for employee cards |
| Additional Benefits | Global Entry/TSA PreCheck credit, instant miles redemption | Purchase protections, fraud protection, trip insurance |
Rewards Highlights
Capital One Spark Miles for Business
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.
- Unlimited 5X miles on hotels, vacation rentals, and rental cars booked through Capital One's travel booking site.
- Transfer your miles to 15+ travel loyalty programs.
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services.
- Receive up to a $120 credit for Global Entry or TSA PreCheck®.
- Free employee cards which also earn unlimited 2X miles from their purchases.
Ink Business Premier® Credit Card
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Unlimited 5% total cash back on travel purchased through Chase Travel℠.
- Unlimited 2.5% total cash back on purchases of $5,000 or more.
- Unlimited 2% cash back on all other business purchases.
Pros and Cons
Capital One Spark Miles for Business
- Pros:
- Low annual fee (waived the first year)
- Generous travel rewards structure
- No foreign transaction fees
- Flexible redemption options for travel
- Free employee cards
- Miles never expire
- Cons:
- Lower welcome bonus compared to some competitors
- Not ideal for cash back seekers
Ink Business Premier® Credit Card
- Pros:
- High cash back on larger purchases
- Strong travel rewards through Chase
- No foreign transaction fees
- Comprehensive purchase protections
- Flexibility for paying off larger purchases over time
- Cons:
- Higher annual fee
- Requires significant spending to maximize rewards
Who Should Consider Which Card?
Capital One Spark Miles for Business
This card is best suited for business owners who travel frequently and want to earn miles without worrying about categories or limits. If you value flexibility in your rewards and enjoy travel perks, this card may be the right fit.
Ink Business Premier® Credit Card
This card is ideal for businesses that make large purchases and prefer cash back rewards. If you often spend $5,000 or more on purchases and want to benefit from high cash back rates, consider this card.
Conclusion
Ultimately, both the Capital One Spark Miles for Business and the Ink Business Premier® Credit Card offer unique benefits that cater to different types of business owners. Consider your individual needs, spending patterns, and financial goals to make the best choice for your business.