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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.

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® 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

Terms apply, see rates & fees

Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit Card

Terms apply, see rates & fees

Finder rating
Finder 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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Compare Capital One® Spark® Cash for Business vs. Ink Business Cash℠ Credit Card

Name Product Rewards Purchase APR Annual fee
Capital One® Spark® Cash for Business
2% cash back on all purchases
20.99% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn $500 after spending $4,500 in the first 3 months.
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.
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