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Capital One® Spark® Miles Select for Business vs. Ink Business Preferred® Credit Card

Two solid credit cards for the frequent business traveler.

Updated

Fact checked
The Capital One® Spark® Miles Select for Business is an entry-level travel card with a $0 annual fee, a 0% intro APR period on purchases and massive 5x miles on hotel and car rental bookings through Capital One Travel. On the other hand, the Ink Business Preferred® Credit Card is a mid-tier card with a $95 annual fee, a massive signup bonus and 3x points on travel and select business categories for the first $150,000 annually.

Check out the other perks and features in the table below.

Capital One® Spark® Miles Select for Business

Capital One® Spark® Miles Select for Business

Rates & Fees

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Rates & Fees

finder.com's rating
finder.com's rating

★★★★★

4.1 / 5.0

★★★★★

4.4 / 5.0
Best for
Best for
  • Unlimited miles on all business purchases
  • Strong rewards on business spending categories
Welcome offer
Welcome offer

20,000 miles after spending $3,000 in the first 3 months

100,000 points after spending $15,000 in the first 3 months

Rewards
Rewards

5x miles on hotel and rental car bookings through Capital One Travel℠ and 1.5x miles on all other purchases

3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases

Purchase APR
Purchase APR

0% intro APR for 9 months, and then 13.99%, 19.99% or 23.99% variable

15.99% to 20.99% variable

Annual fee
Annual fee $0 $95
Balance transfer APR
Balance transfer APR 13.99% to 23.99% variable

15.99% to 20.99% variable

Cash advance
Cash advance

APR: 26.99% variable

Fee: $10 or 3% of the transaction, whichever is greater

APR: 24.99% variable

Fee: $15 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $39 $39
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 25 days 20 days
Minimum interest
Minimum interest $0 $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

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Summary of card features

Capital One® Spark® Miles Select for Business

Capital One® Spark® Miles Select for Business

  • 5x miles on hotel and rental car bookings through Capital One Travel℠ and 1.5x miles on all other purchases
  • Intro APR on purchases
  • No annual fee

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

  • Earn 3x points on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year.
  • Earn unlimited 1x points on all other purchases

Compare credit cards

Name Product Rewards Purchase APR Annual fee
Ink Business Preferred® Credit Card
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
15.99% to 20.99% variable
$95
100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards®
Ink Business Cash℠ Credit Card
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
Ink Business Unlimited℠ Credit Card
1.5% cash back on all purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.
United℠ Business Card
2x miles on United, restaurants, gas stations, office supply stores, local transit and commuting, and 1x miles on all other purchases
16.49% to 23.49% variable
$0 intro annual fee for the first year ($99 thereafter)
Earn 75,000 miles once after spending $5,000 in your first 3 months.
Universal Premium Mastercard®
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
27.24% variable
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
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Compare up to 4 providers

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
$300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
$200 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a huge signup bonus worth $1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
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