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Capital One® Spark® Cash for Business vs Ink Business Cash℠ Credit Card

Two strong cards for two different types of spending needs.

Updated

Fact checked
The Capital One® Spark® Cash for Business earns a flat 2% cash back on all purchases, while the Ink Business Cash℠ Credit Card earns 5% cash back at office supply stores, on internet, cable and phone services on up to $25,000 annually and 1% after that. It also earns 2% back on gas and dining on up to $25,000 annually and 1% back after that and on all other purchases.

Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

Rates & Fees

Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit Card

Rates & Fees

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

★★★★★

4.4 / 5.0

★★★★★

4.5 / 5.0
Best for
Best for
  • Cash back for business spending
  • Business cash back with no annual fee
Welcome offer
Welcome offer

$500 after spending $4,500 in the first 3 months

$750 cash back after spending $7,500 in the first 3 months

Rewards
Rewards

2% cash back on all purchases

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

Purchase APR
Purchase APR

20.99% variable

0% intro APR for 12 months, and then 13.24% to 19.24% variable

Annual fee
Annual fee $0 intro annual fee the first year, then $95 $0
Balance transfer APR
Balance transfer APR

20.99% variable

13.24% to 19.24% 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 3% of each transaction
Late payment fee
Late payment fee $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® Cash for Business

Capital One® Spark® Cash for Business

  • Earn cash back. Earn unlimited 2% cash back on all of your business purchases. Redeem your cash back as statement credit, a check or use it for credits toward previous purchases.
  • Signup bonus. Earn a $500 cash bonus after spending $4,500 during the first 3 months of card membership.
  • Additional employee cards. Get your employees complimentary cards and earn even more cash back on their spending.

Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit Card

  • Earn $750 cash bonus after you spend $7,500 in your first 3 months of card membership.
  • Earn 5% cash back on office supply stores and on Internet, cable and phone services on up to $25,000 annually in combined purchases, 1% after that. Also, earn 2% cash back at gas stations and restaurants on the first $25,000 in combined purchases, 1% after that. 1% cash back is the rate you earn on all other purchases.
  • Get 12 months of 0% intro APR on purchases. A variable APR of 13.24% to 19.24% applies thereafter.

Compare business credit cards

Data indicated here is updated regularly
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&reg
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
$750 bonus cash back after you spend $7,500 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
$750 bonus cash back after you spend $7,500 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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