Spark Miles Select vs. Ink Business Preferred | finder.com

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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 winner: Ink Business Preferred® Credit Card

100,000-point

Signup bonus after spending $15,000 in first 3 months

  • Huge signup bonus worth $1,250 through Chase Ultimate Rewards
  • Earn 3x points on travel and popular business categories on up to $150,000 each year
  • 1x points on everything else
Apply now
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

See rates & fees

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

See rates & fees

Finder rating
Finder 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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Compare Citi Simplicity® Card vs. Ink Business Preferred® Credit Card

Data updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Citi Simplicity® Card
N/A
N/A
$0
With an intro APR of 18 months, this card has one of the longest balance transfer offers on the market. Plus, no late fees and no annual fee. All information about this card has been collected independently by Finder.
Ink Business Preferred® Credit Card
100,000 points after spending $15,000 in the first 3 months
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
$95
100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.
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