Chase Ink Business Cash vs Capital One Spark Cash Plus
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Chase Ink Business Cash wins 4-2. No-fee small-business card — 5% on office supplies, internet, cable. Capital One Spark Cash Plus is still the right call if high-spend small business — 2% flat with $1,200 welcome..
Side-by-side
| Criterion | Chase Ink Business Cash | Capital One Spark Cash Plus |
|---|---|---|
| Annual fee | No annual fee | · $150 |
| Joining fee | = None | = None |
| Top reward rate | 5% (shopping) | · 2% (general) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 3% | No FX fee |
| Welcome bonus | = $350 cash back after $3K spend in 3 months + $400 after $6K total in 6 months | = $1,200 cash bonus after $30,000 spend in first 3 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 700 | · 720 |
| Editorial rating | 4.6/5 | · 4.5/5 |
Benefits compared
Chase Ink Business Cash
- 5% cashback on office supply stores + telecom (up to $25K/year combined)
- 2% at gas stations + restaurants (up to $25K/year combined)
- 1% on everything else
- No annual fee
- 0% intro APR for 12 months
Capital One Spark Cash Plus
- Unlimited 2% cashback on every purchase
- 5% on hotels and rental cars via Capital One Travel
- No preset spending limit
- Annual fee refund of $150 if you spend $150K/year
- No foreign transaction fees
FAQ
›Chase Ink Business Cash vs Capital One Spark Cash Plus: which is better?
Chase Ink Business Cash wins on more dimensions (4 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Chase Ink Business Cash for its best categories, Capital One Spark Cash Plus for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Ink Business Cash: $350 cash back after $3K spend in 3 months + $400 after $6K total in 6 months. Capital One Spark Cash Plus: $1,200 cash bonus after $30,000 spend in first 3 months.