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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

Which card should you choose?

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
Brex for Startups
7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases
N/A
$0
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
Brex for Ecommerce
N/A
N/A
$0
60-day interest-free financing for e-commerce businesses.
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.
BP Business Solutions Mastercard®
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month
27.24% variable
Up to $120
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month.
ARCO Business Solutions Fuel Card
18.24% to 27.24% variable
Up to $180
The ARCO Business Solutions Fuel Card gives your drivers access to greater performance with high quality fuels at ARCO locations. The card provides fleet managers with detailed reporting and individual spending controls for each and every driver.
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Compare up to 4 providers

Name Product Welcome offer Rewards Annual fee Filter values
Chase Freedom Unlimited®
$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% cash back at grocery stores on up to $12,000 in the first year, 5% on Lyft and 1.5% on all other purchases
$0
Earn a $200 signup bonus after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months
Costco Anywhere Visa® Card by Citi
N/A
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
$0
Earn valuable cash back on everyday purchases at gas stations, restaurants and Costco as well as eligible travel with no foreign fees.
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Compare up to 4 providers

Compare business credit cards

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