Capital One Spark Cash vs Chase Ink Business Preferred | finder.com

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

Two great cards for two different-sized businesses.

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 biggest difference between the Capital One® Spark® Cash for Business and the Ink Business Preferred® Credit Card is the welcome offer. With the Ink Business Preferred® Credit Card you’ll earn 100,000 after spending $15,000 in your first 3 months of account opening. The Capital One® Spark® Cash for Business offers $500 after you spend $4,500 in your first 3 months.

The stark difference between the two illustrates the difference in each card’s audience: large, established businesses for the Capital One Spark Cash, and smaller or growing businesses with the Ink Business Preferred.

Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

Terms apply, see rates & fees

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

4.4 / 5.0

★★★★★

4.4 / 5.0
Best for
Best for
  • Cash back for business spending
  • Strong rewards on business spending categories
Welcome offer
Welcome offer

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

100,000 points after spending $15,000 in the first 3 months

Rewards
Rewards

2% cash back on all 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

20.99% variable

15.99% to 20.99% variable

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

20.99% 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 $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 Preferred® Credit Card

Data updated regularly
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 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 $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.
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