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

Two solid credit cards for the frequent business traveler.

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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

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

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

80,000 points after spending $5,000 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 (annual percentage rate)
Purchase APR (annual percentage rate)

0% intro APR for 9 months, and then 14.49%, 18.49% or 22.49% variable

17.49% to 22.49% variable

Annual fee
Annual fee $0 $95
Balance transfers
Balance transfers
Balance transfers APR: 14.49% to 22.49% variable

APR: 17.49% to 22.49% variable

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

Cash advance
Cash advance

APR: 24.49% variable

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

APR: 26.49% 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
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
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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
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
17.49% to 22.49% variable
$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
American Express® Blue Business Cash Card
2% cash back on all purchases on up to $50,000 per calendar year, then 1%
0% intro for the first 12 months (then 14.74% to 20.74% variable)
$0
Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees
The Business Platinum® Card from American Express
5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases
N/A
$595
Earn 50,000 points after spending $10,000 and an extra 25,000 points after spending an additional $10,000 on purchases in the first 3 months from account opening. Rates & fees
The Blue Business® Plus Credit Card from American Express
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% intro for the first 12 months (then 14.74% to 20.74% variable)
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
American Express® Business Gold Card
4x points on two categories on up to $150,000 combined annually, then 1x points after that and on all other purchases
15.74% to 23.74% variable
$295
Earn 35,000 points after spending $5,000 in the first 3 months from account opening. Rates & fees

Compare up to 4 providers

Name Product Welcome offer Rewards Annual fee Filter values
Citi Rewards+℠ Card
Earn 15,000 points after spending $1,000 in the first 3 months
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
$0
The only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Blue Cash Everyday® Card from American Express
$150 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
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Capital One® VentureOne® Rewards Credit Card
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases and 10x miles at hotels.com/venture
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
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
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
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Compare up to 4 providers

Compare business credit cards

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